Tag: Mortgaging

Why should Mortgage Advisers have a Professional Website?

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These days, a debate is going over the use of technology by mortgage advisers. The ratio of people is high who support the school of thought that technology is indispensable for brokers. Well, the mortgage advisers in Bristol who belong to the old school of thought usually find it hard to believe such ideas. However, do you really think that technology has no connection with mortgage services? The era is completely changed and every field demands the perfect use of technology. So, it is definitely one of the crucial tasks to have a website as if you are concerned about the quality of your services:

  • The website adds Professional Touch!

Having a website will let you create a professional touch and the clients will also not doubt your services. Besides, the website is basically a platform that you can use in your own way. You can tell people regarding your services, quality of work, experience in the mortgaging field, and all other facts that can help you define your services. So, the visitors will come to know within minutes what type of clients you actually deal.

  • The website gives the Option of Online Chat!

You can give an option of live chat to the visitors so people who want to send you queries will find an immediate option and they’ll contact you. Although Facebook and other platforms also give the option of communication however when it comes about professionalism, live chat on website is preferred. It will let you response all queries and the visitors may become your potential client if they get impressed by the website and quick response.

  • You can design it the way you want!

It is totally up to you which type of design you actually want to implement. The images of your services and the certificates can be uploaded on the site to make people more confident regarding your services. You can multiple sections including home page, about us page, contact us page, gallery, services page, and many more. The whole site can be designed with a colour scheme that you like the most whereas you can choose the most relevant graphics too. Besides, you can design a logo for your services and the whole website idea will help you create a professional touch. So, the advisers should surely respect the integration of technology and should take it in a positive way.

3 Things that Borrowers need to do for Securing a Loan!

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Are you planning to apply for a home loan? Did you recheck your preparations for securing a loan? Well, mortgaging may seem an easy thing itself but once a person steps into it, he gets frustrated due to the tough procedure. Around a few months ago, the procedure of mortgaging has become tougher as now the lenders show more concerns and require a detailed report of borrower’s income, financial position, and even the spending habits.

If you are planning to secure a loan, be aware of the current changes as the lender can ask for the pounds you spend for the haircut and even for cleaning the clothes. Getting shocked? Well, this is true and mortgaging is undoubtedly becoming tougher. So what to do in such circumstances? The best approach is to secure your loan with the help of Mortgage brokers in Bath who understand the policies and provide an easy solution to their clients. Well, below some crucial suggestions are discussed that can prove helpful for a borrower.

Reduce the Other Borrowings!

If you want your loan application approved then it is vital to reduce the other borrowings as if you have applied around 3 months ago for a car loan of £8000, the lender may not approve a new loan even if you go to another lender. However, if you have applied for a car loan or any other loan around one or two years ago and you have a great record of paying the instalments of the loan on a timely basis then it can go in your favour for securing a new loan. Meanwhile, the applicant should make sure to reduce the borrowings around six months ago before applying for a loan.

Keep your Credit Cards on Direct Debit!

Most of the qualified mortgage brokers in Bath recommend the applicants to keep the credit cards on direct debit as this is how they can avoid missing any payment. Well, if you cannot pay the full amount monthly, pay the amount you can afford easily through the card and arrange the remaining amount separately.

Don’t Exceed the Overdraft Limit!

Do you know that a badly managed bank account is more than enough to see “Rejected” on the loan application? Yes, the lenders require the details of your bank transactions for approving the loan so it is better for a borrower to not cross the overdraft limit. More on, even if your income is fine, the lender prefers to ask the details of borrower’s bank account. In short, it is better for an applicant to ponder the above three suggestions for a securing loan with convenience.

4 Easy Steps for Relying on Mortgage Advice!

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Mortgaging is getting tougher so the old way of applying loan may not prove effective in the current situation and that is why one must follow the latest rules and regulations for the approval of a mortgage. The borrowers are getting frustrated for seeing “Rejected” every time on their application and that is why the wise ones go for the mortgage advice in Bath before submitting their application. However, it is somehow a tough job to rely on the broker for mortgage advice because everybody wants to approach the experienced and well-reputed advisor in the town. In this Blog, easy steps have discussed that help to rely on the best advisor.

Check the Reputation of Advisor on Social Media!

You must be active on the social media, aren’t you? So it can prove absolutely great to like the pages of famous mortgage advisors just for getting the idea of how they work because it will help you decide whether you should go for that advisor or not. It is one of the easiest steps to analyze the reputation of an advisor as you can get plenty of details from the Facebook, Instagram, Twitter, and other social media pages of the advisor.

Ask your Friends and Family Persons!

It is possible that one of your friends or family members have experienced the services of a mortgage advisor so you should ask them regarding the details. The one who has experienced the procedure of mortgaging can guide you better regarding the reputation of advisors in the town. So, it can prove great for you to rely on expert mortgage advice in Bath after asking your friends or family persons. However, make sure that you do not rely on an advisor for whom your friends didn’t leave good remarks. It can save you from relying on an inexpert mortgage broker.

Don’t avoid the Rating on Google!

The rating on Google is something that shouldn’t be avoided at all because here you can come to know the position of a particular company providing mortgaging services. The rating can actually make your decision easy for you as Google shows rating on the basis of real experiences of people. So, before relying on an advisor, make sure that you have checked Google’s rating.

Visit the Office of Mortgage Advisor!

You may have concerns for the fee or services that advisor will cover so you should make sure visiting the office of advisor as this is how you would be able to know the actual facts more clearly. Well, these are all steps that are absolutely easy and do not even require a lot of time. So make sure to perform these steps before putting the reliance on an advisor.