Chris Grant - Mortgage Adviser

Chris Grant - Mortgage Adviser Mortgage & Protection Adviser currently employed by Aberdein Considine and based in Edinburgh but work throughout the UK.

A number of superb reviews this month showing that me and the team are doing great work in providing the service that cl...
30/05/2025

A number of superb reviews this month showing that me and the team are doing great work in providing the service that clients deserve.

Hoping to take this energy through the rest of the Summer!

16/05/2025

It’s been a busy week on the protection front especially with a number of clients still unaware of exactly what protection is and how vital it has become with increasing mortgage sizes and outgoings.

Here’s a reminder for clients as to why it is more important than ever to be covered for the worst case scenario.

Once you have decided to buy and worked out your finances, one area you may not have considered is protecting the debt you are looking to take out for the next 30/35 years of your life.

Death, illness & disability cover are key factors in financial planning which should be considered at the start of the process.

You would not second guess home insurance therefore why would you not consider protecting something even more important, you.

Life is unpredictable, and while insurance and protection can't grow your wealth, they play a crucial role in preserving it during difficult times, offering stability and security when it's most needed.

Cost can often be a barrier and everyone’s circumstances are different which is why it is key to speak to a specialist early doors to consider options and budgets.

Peace of mind is essential, especially when it comes to protecting oneself and one's family from life's uncertainties. While it may feel counterintuitive to spend money on something you hope never to use—like insurance or contingency planning—it's wiser to be prepared just in case, rather than be caught unprepared when it's needed.

08/05/2025

I have been receiving a lot of questions from clients recently regarding risk factors and how lenders actually decide if you are good risk worth taking or what will force the lender to decline an application.

Although it may seem like common sense to those with experience in the industry it is always worth reiterating what factors advise a lenders decision on a client.

The lender looks to achieve two major points from lending. One is that the sum will be repaid with interest but also that the client is not under any undue financial stress during the repayment of the loan.

Here are some of the basic factors that inform that decision.

Income / Employment

They will require payslips, bank statements and/or HM Revenue & Customs (if self-employed) documents to confirm your income. There maybe additional streams such as benefit income the lender will accept.

Affordability

Based upon incomings and outgoings the lender will provide a sum they are willing to lend. They will also enquire as to any future changes in your affordability.

Age

You must be at least 18 years old to apply, with each lender having a separate maximum age. Take into account retirement income will be considered if you intend borrowing past your planned or state retirement age.

Credit History

When applying for a mortgage, credit search will be conducted detailing information about you and any financial arrangements. If you have had missed payments, defaults, CCJ’s or any other credit issue in the past lenders may not be willing to lend or set limitations. However there are specialist lenders on the who support clients in this position.

Property

The property will be subject to checks and a valuation, where the lender assesses the re-saleability and condition of the property to ensure it is suitable to lend on.

Residency

Another area to remember is residency & nationality – each lender has specialist criteria regarding this.

Please contact myself or Aberdein Considine if you have any questions regarding the above.

Apparently over 117 MILLION pancakes will be eaten today 🤯 How many can you eat? 🍽️🥞
17/02/2021

Apparently over 117 MILLION pancakes will be eaten today 🤯 How many can you eat? 🍽️🥞

Let us do all the hard work so you can fall in love with your new mortgage 🧡
14/02/2021

Let us do all the hard work so you can fall in love with your new mortgage 🧡

If you're a first time buyer, here are some top tips for making your first steps towards home ownership 🔑🏡Although thing...
12/02/2021

If you're a first time buyer, here are some top tips for making your first steps towards home ownership 🔑🏡

Although things might seem a little difficult at the moment, there is plenty of help available in the form of government schemes and savings accounts for first time buyers 👇

https://www.thisismoney.co.uk/money/mortgageshome/article-9220231/Its-tough-time-time-buyer-expert-tips-help-way.html?

Getting on the property ladder is an aspiration shared by millions of people across the UK, but prices increased 6.4 per cent in the last year according to Nationwide.

Address

40-44 Elm Row
Edinburgh
EH74AH

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm

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