Andy Cairns at Switch Mortgage Finance

Andy Cairns at Switch Mortgage Finance Independant mortgage broker with 20 years experience in property & finance.

31/05/2024

The short answer is....YES!!!!!!!!

If it's a £20 bet on the Grand National then fine but lenders do not like regular gambling due to affordability now or, in the future.

They will either take it as a regular committment or, decline the application altogether.

I'm begining to see this as a regular occurence and had to recently have a long conversation with a lender's Undwerwriter explaining my client had stopped gambling as they were spending on average £350 per month. Luckily there was a 2 month gap to show the trend had stopped and the UW agreed to allow the application.

So please do consider what your bank statements look like and if in doubt regarding any points please give me a call to discuss.




The information was accurate at the time of writing but please keep in mind that mortgage lenders are constantly updating their eligibility criteria and rates – so, these details can be subject to change at any time. Speaking to a mortgage broker is the best way to find the most up-to-date deals. There may be a fee for mortgage advice.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

30/05/2024

A big thank you to my clients A & F for the lovely plant, choccies and kind words of appreciation with the fab ⭐⭐⭐⭐⭐review on Google!!!

'With his in-depth knowledge of the market, Andy was able to secure a mortgage for us that we were told by other brokers would be impossible. Not only did he secure a competitive mortgage deal, the mortgage amount surpassed our expectations. Andy was very helpful and professional throughout the mortgage application process and always provided timely and well considered advice. We recommend Andy to anyone looking for the right deal and excellent service'.

Glad to hear your move went well.

New pens and CPD.Everyday is a school day.
12/03/2024

New pens and CPD.
Everyday is a school day.

Love CPD with all the new pens you’re given. 🙂👍
12/03/2024

Love CPD with all the new pens you’re given. 🙂👍

Even after 20 + years I always get a buzz from doing my job well.YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPA...
10/03/2024

Even after 20 + years I always get a buzz from doing my job well.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

STOP PRESS!!!!!First time buyer or wanting to move up the ladder?New lender has entered the UK mortgage market offering ...
05/03/2024

STOP PRESS!!!!!

First time buyer or wanting to move up the ladder?

New lender has entered the UK mortgage market offering up to 6 X salary with just a 5% deposit.

Switch Mortgage Finance are pleased to announce we are one of the priveledged brokers able to offer this opportunity.


The above information was accurate at the time of writing but please keep in mind that mortgage lenders are constantly updating their eligibility criteria and rates – so, these details can be subject to change at any time. Speaking to a mortgage broker is the best way to find the most up-to-date deals. There may be a fee for mortgage advice.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Excited to announce that I'm working with Switch Mortgage Finance. Give me a call for all your Mortgage needs!
05/03/2024

Excited to announce that I'm working with Switch Mortgage Finance. Give me a call for all your Mortgage needs!

Address

Fareham
Fareham

Telephone

+447919107860

Website

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