Our Mortgage Broker’s Post

Case Study: Last-Minute Mortgage Deal by Muhesh Saini (CeMap) Background: Client contacted me at 10:00am on Monday urgently sought a mortgage review, but the bank's earliest appointment was the following week, making it challenging due to time constraints. Client Situation: Facing an expiring mortgage deal with unawareness of an imminent interest rate hike. Intervention: Swiftly processed all necessary information, submitted the application 5 minutes before the deadline. Outcome: Secured a new deal, saving the client £70 monthly for the next 2 years. Conclusion: Case closed by 7:55 pm on Monday, with a protection review scheduled for added security. Client Satisfaction: Clients were pleased with the quick resolution and transparency, especially regarding undisclosed rate increases by the bank. This case highlights the importance of proactive financial management in volatile markets.

✖️ Case Study: Last-Minute Mortgage Deal   🔙 Background: Client contacted me at 10:00am on Monday urgently sought a mortgage review, but the bank's earliest appointment was the following week, making it challenging due to time constraints.   🔜 Client Situation: Facing an expiring mortgage deal with unawareness of an imminent interest rate hike.   🔛 Intervention: Swiftly processed all necessary information, submitted the application 5 minutes before the deadline.   🔝 Outcome: Secured a new deal, saving the client £70 monthly for the next 2 years.   🔚 Conclusion: Case closed by 7:55 pm on Monday, with a protection review scheduled for added security.   ✔️ Client Satisfaction: Clients were pleased with the quick resolution and transparency, especially regarding undisclosed rate increases by the bank. This case highlights the importance of proactive financial management in volatile markets.

✖️ Case Study: Last-Minute Mortgage Deal   🔙 Background: Client contacted me at 10:00am on Monday urgently sought a mortgage review, but the bank's earliest appointment was the following week, making it challenging due to time constraints.   🔜 Client Situation: Facing an expiring mortgage deal with unawareness of an imminent interest rate hike.   🔛 Intervention: Swiftly processed all necessary information, submitted the application 5 minutes before the deadline.   🔝 Outcome: Secured a new deal, saving the client £70 monthly for the next 2 years.   🔚 Conclusion: Case closed by 7:55 pm on Monday, with a protection review scheduled for added security.   ✔️ Client Satisfaction: Clients were pleased with the quick resolution and transparency, especially regarding undisclosed rate increases by the bank. This case highlights the importance of proactive financial management in volatile markets. 📱 07728 720 089 📧 muhesh@ourmortgagebroker.co.uk 📞 https://lnkd.in/eFWxVB4Z 💻 https://lnkd.in/eW5CCHi6

Case Study: Last-Minute Mortgage Deal   Background: Client contacted me at 10:00am on Monday urgently sought a mortgage review, but the bank's earliest appointment was the following week, making it challenging due to time constraints.   Client Situation: Facing an expiring mortgage deal with unawareness of an imminent interest rate hike.   Intervention: Swiftly processed all necessary information, submitted the application 5 minutes before the deadline.   Outcome: Secured a new deal, saving the client £70 monthly for the next 2 years.   Conclusion: Case closed by 7:55 pm on Monday, with a protection review scheduled for added security.   Client Satisfaction: Clients were pleased with the quick resolution and transparency, especially regarding undisclosed rate increases by the bank. This case highlights the importance of proactive financial management in volatile markets. 📱 07728 720 089 📧 muhesh@ourmortgagebroker.co.uk 📞 https://lnkd.in/eFWxVB4Z 💻 https://lnkd.in/eW5CCHi6

✖️ Case Study: Last-Minute Mortgage Deal   🔙 Background: Client contacted me at 10:00am on Monday urgently sought a mortgage review, but the bank's earliest appointment was the following week, making it challenging due to time constraints.   🔜 Client Situation: Facing an expiring mortgage deal with unawareness of an imminent interest rate hike.   🔛 Intervention: Swiftly processed all necessary information, submitted the application 5 minutes before the deadline.   🔝 Outcome: Secured a new deal, saving the client £70 monthly for the next 2 years.   🔚 Conclusion: Case closed by 7:55 pm on Monday, with a protection review scheduled for added security.   ✔️ Client Satisfaction: Clients were pleased with the quick resolution and transparency, especially regarding undisclosed rate increases by the bank. This case highlights the importance of proactive financial management in volatile markets.

❣️ Case Study: Overcoming Mortgage Challenges for a First-Time Buyer 🤩 Goal: Purchasing a £1.1M home as a first-time buyer Requirements: Interest-only borrowing, extended term, multiple income sources, with some adverse credit history. 😬 Approach: Identified a niche group of specialist lenders and engaged directly with relationship managers to ensure alignment with client’s needs. 🔑 Outcome: Successfully secured a positive result, allowing the client to complete the purchase just in time for the Easter break. 🥰 Client Satisfaction: Delighted with the personalised service and proactive approach, the client enthusiastically recommended our services to her network. 🏡 Conclusion: This case highlights the importance of expertise and proactive engagement in navigating complex mortgage scenarios, resulting in a satisfied client and successful outcome. Muhesh Saini (CeMap)

Case Study: Securing Favorable Mortgage Deal for Client with Complex Share Structure. Client Background: New client had complex share structure with Freezer, C, D, & E shares, seeking to release funds from unencumbered property to repay outstanding mortgage within portfolio. Challenges: Struggled with previous broker to find deal under 5%. Approach: Utilised expertise to negotiate with lenders for optimal solution. Action: Secured mortgage deal under 4.5% at 75% lending, exceeding client's expectations. Client Satisfaction: Client pleased with outcome, committed to future collaboration on 10 additional mortgage transactions. Conclusion: Successful navigation of complex financial structure demonstrates effectiveness in securing favorable terms and fostering ongoing client trust and collaboration.

❣️ Case Study: Overcoming Mortgage Challenges for a First-Time Buyer 🤩 Goal: Purchasing a £1.1M home as a first-time buyer Requirements: Interest-only borrowing, extended term, multiple income sources, with some adverse credit history. 😬 Approach: Identified a niche group of specialist lenders and engaged directly with relationship managers to ensure alignment with client’s needs. 🔑 Outcome: Successfully secured a positive result, allowing the client to complete the purchase just in time for the Easter break. 🥰 Client Satisfaction: Delighted with the personalised service and proactive approach, the client enthusiastically recommended our services to her network. 🏡 Conclusion: This case highlights the importance of expertise and proactive engagement in navigating complex mortgage scenarios, resulting in a satisfied client and successful outcome.

I spend so much time banging on how we know the loop holes for you to borrow more but never tell you one of the most important things about our business 🤦🏻♂️ This will not mean a lot to you at first but it’s so important and probably keeps us ahead of our competitors. We are actually whole of market and most brokers are not….. We are a directly authorised firm. In mortgage world this is massive because it means we are whole of market and can use any lender and are not restricted to a panel of lenders like most mortgage brokers/firms. We are 100% independent and directly authorised by the FCA. Have a look at the bottom of any mortgage broker website and you will see they are an appointed representative or we are part of xyz network. This means they can’t be whole of market firstly but will also mean they are restricted to so many lenders. It also means they are very restricted with the advise they can give and you will spend more time signing disclaimers than gettting advise. Also don’t blame these advisers if they are grumpy because if you had to work in such a tight compliance framework getting a disclaimer signed at every corner, had to get your work checked by a random person who had no clue about your client and you know your not playing on an even field because your network is stuck a circle of covering their own arse you would grumpy to. The reason we are directly authorised is so we can do best for our customer and not have to shoehorn them into a box. Just have a look at the bottom of the websites and you will see how few mortgage brokers are actually whole if market.

How to File a Complaint Against a Mortgage Lender 1.📝 Document Your Concerns: 📑 Gather evidence, including loan documents, correspondence, and records of interactions. 2.🏦 Contact the Lender Directly: 📞 Initiate communication with the lender to resolve the issue informally. 📧 Keep records of all communications for reference. 3.🛡️ File a Formal Complaint: 📝 If unresolved, submit a formal complaint to the lender's complaints department. 📄 Provide detailed information about the issue and desired resolution. 4.⚖️ Seek External Assistance: 🤝 If dissatisfied with the lender's response, escalate the complaint to regulatory authorities or ombudsman services. 🌐 Utilize online complaint portals for regulatory bodies. Filing a complaint ensures accountability and seeks resolution for grievances against mortgage lenders. (Your home may be repossessed if you do not keep up with repayments on your mortgage) #mortgage #realestate #realtor #mortgagebroker #home #realestateagent #firsttimehomebuyer #refinance #newhome #investment #househunting #property #finance #loanofficer #creditscore #mortgagelender #creditrepair #loans #homeloans #credit #dreamhome #broker #business #money #forsale #homebuyers #mortgagerates #financialfreedom #homeloan #entrepreneur #ukmortgages #HomeSweetHome #UKMortgages #ExpertAdvice #MortgageTips #UKProperty Web: www.themoneyorbit.com Tel: 07305 144 334 for mortgage and protection advise Location: Slough, United Kingdom