Based in Basingstoke, Andy has been in the Financial Industry for 35 years and with Advisory for 25+ yers, in that times built considerable experience the mortgage market. He has helped numerous clients achieve their dream of home ownership whether that is an established property, new build or self build. He has also helped landlords arrange Buy to let mortgages and ensures that all of his clients arrangements are reviewed on a regular basis so that they remain on the appropriate terms through either a re-mortgage or product transfer. he also advises on the full suite of protection policies so that the mortgages he arranges are sustainable regardless of what life may throw up. 

Why is using a broker different?

Many customers have spoken to their bank or building society and have discussed what they can potentially spend on a property, but often this information is not accurate when the customer actually wants to go ahead and buy their home. This is because the mortgage lenders will only be able to advise on their own products and there may well be cheaper or more suitable deals elsehere. There may also be different rules when it comes to certain specialist properties particularly in regard to builder incentives, offer length, deposit amounts , application timescales and the unique qualification rules that come with Shared Ownership.

What will be discussed?

Andy will talk to you about the value of the property, the amount of deposit you can supply, any scheme you might be using to assist your purchase, the mortgage amount needed and the income, credit commitments and credit history you have which would support this borrowing. The purpose of this conversation is to discuss your qualification and affordability for the new home. Your data is held under the strict auspices of the data protection act and GDPR and copies of your DPA information is available on request.

Your home may be repossessed if you do not keep up repayments on your mortgage.