Can I get a Mortgage?

Answering these seven simple questions will allow a professional mortgage advisor to assess your likelihood of being considered as suitable by the many lenders desperate to lend money!

  • Are you a First Time Buyer, a Home mover, looking to re-mortgage or looking to capital raise?

  • What would you estimate the likely value of your property?

  • How much do you wish to borrow?

  • Are you employed or Self Employed?

  • What is your gross basic annual income and gross basic overtime/commission?

  • Have you EVER had any bad credit?

  • Date of birth of all applicants?

This information will allow us to make a quick assessment of your circumstances but will not tell the full story. If we feel that we may be able to assist you, the next stage of the process will be to provide you with a list of all the documentation we will need sight of and to arrange a mutually convenient meeting to review your circumstances in more depth. After this meeting we will be in a position to advise you if we can assist and if so on the most suited way forward.

Once we have established we can assist, we will source from the whole market to find a deal that will work for you!

If you are happy with our recommendation, the next stage will be to submit the application to the chosen lender.

Now, this is the stage that a lot of mortgage brokers tend to consider they have ‘done their job’.

At Abode Mortgages Limited, we consider that the job is not done until such time as the mortgage completes. After all, it is hardly fair that we should expect our clients to have to liaise with the lender and submit any additional information they may request. The client should not be the person chasing the offer letter. The client should not have to chase the conveyancer…we want to make the process as smooth and seamless as possible thus reducing the stress of home ownership.

Being a truly local mortgage broker, born and bred in Brightlingsea and having worked in financial services in Colchester, Clacton and Harwich, John Carter brings local knowledge to 25 years of helping clients with their mortgage needs.

You may have to pay an early repayment charge to your existing lender if you re-mortgage

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

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