Peace of mind
It can be daunting investing in a new home or property, especially as it’s often the most expensive thing you’ll ever buy.
As you’ll probably be paying your mortgage off over a couple of decades or more, getting the best interest rate available can save you hundreds, if not thousands of pounds over the life of your investment.
Then there are all the other things to think about. How much can you borrow? What will the repayments be? Is life insurance and critical illness cover really necessary?
All these questions (and more) can be answered by Laura Hanson, an independent mortgage and protection advisor. She might even be able to save you money by searching the entire market for a product that best suits you and your financial circumstances.
Friendly, personal service
Laura hasn’t always worked as an advisor. In fact, her first career was in sport, working for Huddersfield Giants among other rugby league clubs. But when she returned from living in Spain with her pro-golfer husband and three young children, she wanted a career that would fit around family life, as well as provide her with job satisfaction.
“I think it’s really helped that I’ve experienced other industries before settling in financial services. I know what it feels like to be at the other side of the table. I’ve bought my first home, I’ve moved house and re-mortgaged, and I know how difficult and stressful all that can be when you’re juggling family, work, and a hundred and one other things. Having time to search for the best mortgage or working out what you need to know is often the last thing on your mind,” said Laura.
“If I can help people by offering a personal mortgage advice service that’s tailored to their needs, at least that’s one worry out of the way,” Laura added.
One of the reasons that Laura chose to be an independent advisor, rather than tied to one provider, was her desire to provide a personal service. As she isn’t bound by targets or limited to one provider, Laura can spend time with her clients and search the entire market for the right mortgage or insurance plan.
Laura might be independent but she is a fully qualified and accredited, and works under the umbrella of Woodhall Mortgages. They provide Laura with support and continued professional development.
Insuring your investment
When you’re borrowing a large sum of money to purchase property, it’s definitely worthwhile considering insuring your investment, especially if you have dependents.
Have a chat with Laura and she’ll recommend the most appropriate cover for your circumstances. She’ll even help you complete the medical questionnaire, which needs to be full and accurate, otherwise the insurance could fail to pay out when you need it most.
Open and transparent
When it comes to fees, Laura tells you how much you’ll pay and when the money comes due. With a mortgage, for example, you won’t pay a penny until the mortgage is approved. As Laura can search the entire market for the best rates, she’ll often save clients more than the cost of her fees.
If you’re thinking of buying, moving or taking out financial insurance, have a chat with Laura first, it could be one of the best financial decisions you make.
As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.