JWD Mortgages

18/08/2023

Simple location and staging, photos we loved - relaxing zone

03/08/2023

Wet weather makes me feel this way sometimes too x

02/07/2023

Teamwork is everything, discussing through and planning is key

02/07/2023

Coffee 🫶

21/05/2023

🤝

Welcome to our new finance team - now open for enquiries across all property funding needs.

With JWD you will have highly focused access to whole of market lending solutions and to more bespoke or specialist commercial needs.

You can book a meeting with James and his team online - via phone or we**am where we can talk through nice and swiftly.

All the time assessing, qualifying and unveiling what can be done. Some in person available subject to availability.

If you are buying to renovate & add value - sometimes a bridging loan works well or sometimes just release of equity from your current property. Either way our team will look at things flexibly and seek to support your goals!

07590309324
01172354270
01872307802

[email protected]
or
[email protected]
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JJWD Mortgages

16/05/2023

Applying for a mortgage deal involves several steps. Here's a general overview of the process:
1. Assess your financial situation: Before applying for a mortgage, evaluate your financial standing. Consider factors such as your income, credit score, and existing debts. Understanding your financial position will help you determine how much you can afford to borrow and what type of mortgage you should pursue.
2. Research lenders and mortgage options: Take the time to research different lenders and the mortgage products they offer. Compare interest rates, loan terms, fees, and any special features or benefits. This will help you find the best mortgage deal that suits your needs.
3. Gather required documents: Lenders typically require specific documents to process your mortgage application. Commonly requested documents include proof of income (pay stubs, tax returns), bank statements, identification documents, and proof of address. Collect these documents in advance to streamline the application process.
4. Pre-approval (optional but recommended): Consider getting pre-approved for a mortgage before applying. Pre-approval involves providing your financial information to a lender, who will then assess your eligibility for a mortgage and provide you with a conditional offer. Pre-approval gives you a better idea of how much you can borrow and strengthens your position as a serious buyer.
5. Complete the application: Once you have selected a lender and mortgage product, you can proceed with the application. This can usually be done online, over the phone, or in person at a bank or mortgage broker's office. Provide accurate and detailed information about your financial situation, employment, and the property you intend to purchase.
6. Await the lender's decision: After submitting your application, the lender will review your information and assess your eligibility. They may request additional documentation or clarification during this process. The lender will then make a decision on whether to approve your mortgage application.
7. Property valuation and survey: If your mortgage application is conditionally approved, the lender may require a property valuation or survey to assess the property's worth and condition. This step is typically done by a professional valuer or surveyor appointed by the lender.
8. Mortgage offer and acceptance: If your application and property valuation are successful, the lender will issue a formal mortgage offer. Review the offer carefully, ensuring that you understand the terms and conditions, interest rate, repayment schedule, and any associated fees. If you're satisfied with the offer, sign and return it to the lender to accept the mortgage deal.
9. Legal process and completion: After accepting the mortgage offer, you'll need to engage a solicitor or conveyancer to handle the legal aspects of the mortgage. They will conduct property searches, handle the transfer of funds, and complete the necessary paperwork. Once all legal requirements are fulfilled, you will complete the mortgage process, and the funds will be released to purchase the property.
It's important to note that the mortgage application process may vary slightly depending on the lender and the specific circumstances of the application. Seeking advice from a mortgage broker or a qualified professional can help you navigate the process more effectively and ensure you're making informed decisions.

06/03/2023

Before you move... use a checklist to ensure you don't miss anything 👨‍👩‍👧‍👧

Once you have found somewhere new to live, it’s important to notify any relevant organizations that may need to be aware of your change of address. This is especially important for official matters such as registering with a local doctor or dentist or notifying the DVLA of your new address if you have a driving license.

You should also make sure that any utility providers and service suppliers (e.g., broadband providers) are informed so that
your bills can be sent to the correct address.



Get your copy of the full-packed magazine today https://www.jwdmortgages.co.uk/

05/03/2023

Talk to our experienced team today. We’re here to get you moving 😎

Call us on 01172 354 270

We understand how important deciding to get a mortgage is. It’s not just about taking out a mortgage, it’s about getting the keys to your new home, improving the one you’ve got or arranging your finances for the future.

Whether you want to buy your first or new home, remortgage your current property, borrow more or buy-to-let – we’re here to help.

http://ow.ly/v1ck50N3329

Contact us today to find out what you could borrow and what your payments may be.

03/03/2023

Flipping properties – is it as simple as it seems?

A survey reveals 68% of flips took less than six months to complete, from purchase to sale

Flipping property is a term generally used to describe the act of buying a property at "below market" value, then renovating it and then very quickly selling it on again at a profit. According to a new survey, almost two-thirds of recent property flippers made profits of between £10,000 and £75,000, compared with just 1% who made a loss.

One of the most important decisions you will make when flipping a property is how you finance your purchase. While half of investors financed their flips through savings, around a third took out traditional mortgages, and bridging loans were used by a significant and rising percentage. The survey provided statistically significant data about property flipping over the last two years from experienced property investors and first-timers.

Get in touch today!

01172 354 270

https://www.jwdmortgages.co.uk/

01/03/2023

How much value does a garden add to your home?

Buyers still dream of a perfect little oasis all of their own 😍

Create additional interest in prospective buyers

If you have space for flowerbeds or patio areas, these can add even more impact as they provide potential buyers with ideas of how they could use the outdoor space.

Adding extra features such as lighting or water will also increase prospective buyers' interest. When it comes time to list your property, having a well-maintained garden can be an effective way to increase the value of your home and make it more attractive to potential buyers. Taking the time to attend to your garden before selling your home will give you the best chance of getting the best price. It’s an investment that is well worth making.

http://ow.ly/4bnE50N32Yq

Speak to an Expert today 01172 354 270

27/02/2023

Being self-employed is a tough enough job in itself, and more so when setting up a new business or changing how you earn an income in the same line of work.

Some lenders can look at a mixture of what you earn - even net profit

Get in touch with an Expert today 01172354270

http://ow.ly/6cxr50N32PW

27/02/2023

What is a mortgage offer - and how long does it last?

Typically these are valid for six months, with some shorter ones for three months. Applying for the mortgage early secures the momentum you need and ensures funding is agreed upon - be a strong buyer and secure that chain!

http://ow.ly/Tooc50MZEsh