Homebuying, made easy.
Hi! I'm Joe, The Homebuyer Coach, providing expert mortgage advice in the UK.
Who am I?
So who am I? Well, I started in the industry in 2007 as a lettings negotiator. Shortly after I shifted across to estate agency; and here I am now - in the world of financial services!
During my time in the property and financial industry, I've discovered that there is much more to mortgage advice than just finding the best bank. That's why I've decided to offer a 'proper' mortgage advice option.
So, what's different?
Buying a new house should be one of the most exciting things you can do, so leave the work to me! I don't just provide advice for mortgages, there are far more things involved. From our first appointment through to collecting your keys, I want you to be fully clued up about every single step of your homebuying journey, from saving for a deposit to choosing the right property.
Once the mortgage is arranged, my administrator and I will provide regular updates throughout the purchase from the lender, estate agents and the solicitors to ensure the smoothest process possible.
Get in contact for an initial, no obligation, free financial review to see how I can help.
We'll have an initial chat to run through your property goals and develop a clear plan on how to achieve them. We'll discuss affordability, budget and run through tips and tricks that will help you secure your dream home.
Mortgage in principle
With the information gathered, it's time to obtain a mortgage in principle. This is a certificate from a lender proving that you're able to borrow the required funds through a mortgage, subject to credit and affordability checks.
Make an offer
Armed with a mortgage in principle, you are now in a position to find your dream home! Once you've found the right one for you, you'll need to make an offer. This is usually done through the estate agent.
Apply for a mortgage
Congratulations! Your offer has been accepted. Now we need to apply for the mortgage. We'll check to see if any of your circumstances have changed, and then I will provide a recommendation on the best mortgage for you.
Instruct a solicitor
You'll need a solicitor to handle the legal process involved with transferring ownership of the property to you. I am able to recommend solicitors for you if required.
The lender will arrange a basic valuation on the property. This will ensure the property is worth what you've agreed to pay for it. You may also want to arrange your own survey on the property that will identify any potential problems.
Mortgage offer issued
Once the lender has carried out their underwriting checks, they will issue the mortgage offer. The solicitor will check through to make sure everything is in order. They will then exchange contracts - this is when you'll pay your deposit to your solicitor.
Collect your keys!
Time to pop the champagne! You've completed! Get ready to pick up the keys and move in.
Once you've had an offer accepted, let me find you the best possible mortgage
90+ lenders, 12,000+ mortgages
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Property of the week - budget planning - saving tips - exclusive mortgage deals - mortgage pro's and con's - mistakes to avoid - mortgage type comparisons - property renovation - buy to let tips - reasons to remortgage - debt consolidation - capital raising - first time buyer tips - mortgage valuation types - Plymouth news - property market news - local estate agency listings