Let’s be honest. If you had a choice between choosing a tradesman who has been in business a few weeks or one who has 10 years experience which one would you select? Generally, most people would be happiest with the one who has the most experience. They have familiarity with assessing a job, with selecting quality materials and planning the work needed. They have dealt with many customers and know how to attract repeat business; by being very good at what they do.
 
So why do so many people with mortgages happily deal with the first mortgage adviser they come across? Surely the largest debt any of us has deserves a little more respect. You would be surprised at how little experience many mortgage advisers in estate agents and banks or building societies have. Not all just most.
 
The mortgage advisers at Enhanced Wealth each have a minimum of 10 years experience. As an Independent Mortgage Broker we have to constantly review the mortgage market, not just by using a computer but by talking to lenders and finding ways to solve our client’s problems. Being independent to us means just that. We do not use a panel of our 6 favourite lenders, we will work to find the best deal from all those available to us.
 
The success for any mortgage adviser is to obtain a mortgage for their client. Our extensive experience helps us to do this more quickly and perhaps at a cheaper interest rate than other advisers. Not all mortgages are easy though, people with poor credit histories and those who cannot prove their incomes need the assistance of an experienced mortgage professional. The daft thing about this business is that the customer need not know they have been sold the wrong mortgage. Their mortgage payments will just be higher as the adviser has failed to locate the best value package for them.
 
But mortgage are not always just down to price. Mortgage schemes have come a long way in the past few years and offsetting, flexibility, self-certifying income and buy to let are all popular choices. Price in this sector does not always determine the best choice.
 
We want all of our mortgage clients to get the best possible mortgage for their requirements. If speed is important this may be the lender with the most efficient systems, it may be the cheapest 2 year fixed rate or a lender who will re-mortgage your house so you can invest in other property. If we do a poor job then our clients will certainly not return. If our clients are happy with the advice and service they have received then they will feel comfortable recommending us and returning for further advice.
 
So please give us a call if you would likely truly independent, friendly, professional advice on your mortgage.  I promise you will receive quality advice and a jargon free explanation. Although every business needs to ‘sell’ something to pay its bills we will not pressurise you into buying any product.  If you’re not happy then neither are we.
 
 
 
Sean Horton is a Director of Enhanced Wealth Limited who can be contacted on 0800 316 5756 or www.enhancedwealth.co.uk
 
Mortgages are subject to status. Written details on request. Your home is at risk if you not keep up repayments on a mortgage or other loan secured on it.