FAQs

The first step typically involves a good chat to see where you are placed and what you might be able to do. This can either be in person at my Kingsland office, online or via phone call – whatever suits you best. Sometimes I work with clients for several months or years before they are ready to buy. Generally, this involves me asking you questions about your current financial situation, as well as answering any specific questions you may have in return.

Determining your borrowing capacity involves considering several factors, such as your income, credit history, employment status, and current debt level. While these are key elements, other financial aspects may also influence your borrowing capacity.

Before diving into house-hunting, it's wise to secure a home loan pre-approval. This process allows you to ascertain how much you can likely borrow, giving you with a clear budget when exploring properties. By obtaining pre-approval upfront, you can streamline the home buying process, making informed decisions and negotiating confidently when you find your dream home.

In nearly all cases, there's no fee involved for using our services. Instead, we receive a commission from the lender you select. We are impartial in the process and have no incentive to steer you towards any particular lender – we are guided by what fits for you and your personal situation. In rare circumstances we are not paid and need to charge a fee, however if this is the case it will be disclosed to you up front. If you have any queries or need clarification on this matter, this is further detailed on my Disclosure Statement

No! There are several options for less than a 20% deposit and it is common to buy with less than 20%. The banks rules and requirements do change often – I am up to date with what is happening in the market, as I do this all day everyday!

As a mortgage adviser, my role is to be with you each step along the way and find a loan that perfectly aligns with your needs. With access to a diverse array of products and lenders, I can offer you a broader spectrum of options compared to what you might find by approaching a bank or lender directly.

With a deep understanding of the mortgage market and a commitment to personalized service, I strive to make the mortgage process smooth, transparent, and stress-free for my clients.

Furthermore, my support doesn't end once you've secured a loan. I'm here to guide you throughout the entirety of your loan term, helping you navigate any changes in the market or personal circumstances that may arise. My ultimate aim is to ensure that you not only secure the right loan initially but also continue to save money and make informed decisions over the long term. If you have any questions or need assistance at any point along the way, don't hesitate to reach out—I'm here to help.

Absolutely – I can advise on this and point you in the right direction. If I know you will qualify for anything with regards to a First Home loan – I will point this out to you.

There are always legal fees. Sometimes there are Registered Valuations required. You also need to allow for moving costs. I will be able to advise further on all of the above so that you can budget for these.