Gareth likes to think of himself as an ‘international’ agent… However, in reality, he’s only moved 191 miles from Cardiff to the sunny streets of Brighton, after a 6 year stay-cation with our cousins, Richard James Estate Agents, in Swindon. Extremely proud of his heritage, he’s been known to recite Welsh hymns in his sleep, which stands him in good stead to build great rapport with our ‘international’ clients! Gareth is a great conversationalist, extremely approachable and takes the stress out of any house finding process – perfect for the role of Branch Manager, here at Mishon Welton. With a genuine desire to help, you can guarantee you’re onto something great if you’ve got Gareth looking after you.
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Finding a mortgage
Buying a house is a massive investment and getting it just slightly wrong can be costly. Unless you have big savings, chances are you’re going to have to get a mortgage. It’s a loan secured against the property which means if you can’t meet the repayments the lender may repossess your home and sell it to get their money back.
The better you understand mortgages and everything to do with them, the better armed you will be to get the very best deal. With MMR in place, you’ll need to review your finances themselves before approaching possible lenders to see whether you can afford the monthly payments now and if interest rates go up, which they will…
What is MMR?
When it comes to finding a mortgage you have several options: mortgage brokers, individual banks or searching online. Again, it’s important to do your research. Searching online first, gives you a good idea of what’s available, but an independent mortgage broker can provide a more in-depth search and help you through the process. Being independent holds great value as they are not bias to any particular lenders or deals, they will give you their honest opinion and take away the stress of working your way through the mortgage market, they work for you to find you the best package to suit your requirements.
For more information on the current mortgage rules and deals, contact your local branch today to arrange an appointment.
View your future home or get your instant valuation using the latest video calling technology and the expertise of our agents. Don’t delay the deal: get an accurate and fast valuation done today.