For some people, talking about our finances can be a challenging or sensitive subject. We each have a different experience with money so if you’re feeling nervous about your appointment you certainly won’t be alone.
Our advisers have well over a decade’s experience in the mortgage industry, so they’ve experienced a vast range of financial conversations. Their aim is to always put you at the centre of what they’re doing so that you get the best client experience & the best mortgage deal.
If you’re feeling anxious before the appointment, these tips will hopefully help put your mind at ease.
1) Get to know your bank account
For some people taking a look at their bank account can be a challenge, but having a firm idea of what’s going in and out each month will set you up well for your appointment. You’ll be able to talk through each direct debit with your adviser as you work through the Fact Find, enabling the adviser to see what could be affordable for you.
2) Get your documents together
When you book an appointment with an adviser, one of the team will send you an appointment confirmation email and access to our online portal, where you can safely upload these documents.
Uploading the documents to our online Portal is a straightforward process but if you experience any difficulty with it at all, just give the team a call and we’ll be happy to help.
The documents that we request allow your adviser to verify who you are - through proof of address, how much you have coming in each month - through bank statements and where your money is coming from - through payslips (if employed) or the last 2-3 year’s accounts (if self-employed).
Having your documents prepared well in advance allows you to feel prepared for the appointment and gives the adviser a chance to look over them before your appointment.
These documents allow your adviser to give you accurate advice, which in turn allows them to source the best mortgage deal for you. Your adviser will always look at your documents with your best interests at the centre of what they do. This is not done to judge, but to ensure that they are making the right recommendations for you.
3) Set time aside for the appointment
Whether coming to the Office or having a telephone appointment, make sure that you have given yourself enough time to get ready and that you’re somewhere that you feel comfortable, if having a telephone interview. Our appointments are primarily being conducted via telephone at the moment, so you’re able to get yourself a cup of tea and get comfortable. If you’d like, you’re welcome to have someone with you for the appointment, or on a ‘conference call’. When there’s a lot of information being shared it can be helpful to have another pair of ears.
If there’s anything that you don’t understand at any point in the appointment, feel free to ask the advisers to explain it again. They are excellent at explaining everything in a jargon free manner and make sure that you understand everything before they move on.
4) Get to know your adviser
It can be helpful to put a face to a name when you’re booking in your appointment, so visiting the ‘about’ page of our website can be a great place to start. Each member of our team has a section where you can get to know a little bit more about them and how to contact them. If you’re ever unsure, you’re welcome to call the main office number and one of the team will be happy to help.
Hopefully this has eased any worries that you might have in the lead up to your mortgage appointment, but if you have any questions feel free to drop one of the team a call or email and we’ll do our best to answer any questions that you have.
