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Leanne from CD Financial in Shifnal joins the Mortgage and Protection Podcast to introduce her company and talk us through the services offered by a mortgage broker
What exactly is the role of a mortgage broker?
The role of a mortgage broker is to help borrowers understand the mortgage and property buying process and find the most competitive mortgage deal for their circumstances.
We help you apply to a recommended lender and help chase the purchase or mortgage through to completion. Basically it’s our job to take the stress out of buying a home.
What is the difference between going to a mortgage broker versus your local high street bank?
A mortgage broker will bring you access to more deals – giving you a better chance of getting a good rate. We’ll offer a helping hand through the whole process, plus we will stay in touch with you and review your mortgage on a regular basis over the years. So, with a mortgage broker you find it’s more of a long-term relationship than with a bank.
We often start with first time buyers – usually couples getting together and buying their first home, and we see them having families, new jobs, bigger houses…. We make a long-term commitment to our clients.
What services does a mortgage broker offer?
While a bank will just help you with your mortgage, we can support the whole homebuying process. Here at CD Financial we have a brilliant admin team who will liaise with the estate agents, speak to solicitors and do everything they possibly can to make sure that a transaction is as hassle-free as possible. We get updates wherever we can and will hold your hand throughout the whole process.
We help First Time Buyers, home movers and with remortgages as well as Buy to Let and rental properties.
We also help with protection. Obviously you know that your mortgage is going to be the biggest debt you can ever take out, so it’s really important to consider how you will cope should anything go wrong. We offer tailored solutions to each individual to help protect them against life’s unforeseen events.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Some buy to let mortgages are not regulated by the Financial Conduct Authority
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When should I see a mortgage broker – at what stage in the process?
I would definitely recommend seeing a mortgage broker before you start looking to buy a new property. That way you can determine in advance how much you will be able to borrow.
A broker can check your affordability to ensure that you’re looking at property comfortably within your price range. There’s nothing more disappointing than finding your dream home and discovering that you can’t afford it. That’s why it’s really important to have that conversation first.
Can I use CD Financial if I’m based in a different part of the country?
Definitely. We connect with clients all over the UK. We offer telephone appointments or video calls – whichever suits you best. A big thing that’s come out of the last two years is that we have all realised that we don’t have to be in the same room to connect with people. So it’s really opened up our industry for the better.
Why is Shifnal a popular location to live in and buy property?
Shifnal is a really popular location to live in as it has a lovely market town feel. It’s full of independent shops, pubs and restaurants and it has great local amenities. There’s a train station and we have close access to the M54, so it’s really good as a commuter base.
There are various small towns and cities quite close by, such as Telford, Shrewsbury, Wolverhampton and Birmingham. But personally for me the main draw is the rich history in Shifnal as a town that dates back hundreds of years.
In fact, our office is a grade II listed building and was built back in the 1700s. It’s very quaint and quirky and it has a good history to it which myself and my other colleagues are always really intrigued by.
Tell us a bit about CD Financial?
CD Financial was founded by Claire Dentith in 2015 and I’ve worked here now for just under four years. I started my life here as a mortgage administrative assistant.
In terms of finding a mortgage advisor, don’t be afraid to shop around. Find someone that you can really build a rapport with, that you know you can trust. It’s a relationship that could span many years and the right person will make all the difference, taking the stress out of all future remortgages and house moves.
We don’t charge any fees for any of our initial consultations. Once we have recommended a suitable mortgage deal to you, if you choose to proceed we will charge a fee of £195 at the point of submitting a mortgage application.