The Cornish Mortgage Company

31/08/2023

Amazing first time buyer / investment opportunity 👌

Market Place, St. Columb

10/02/2023

12/09/2022

Jack is correct!

Do I have to use the estate agents mortgage adviser? 🤔

Simple answer: NO!

The estate agent or housing developer may instruct you to use their in-house mortgage adviser & tell you that it is compulsory, but that isn’t true! You can use whoever you wish, just ensure you do your research first! 😊

“The Estate Agents Act 1979 states that every offer must be put forward to the seller regardless of whether the buyer has obtained their mortgage from the broker recommended by the estate agent.”

It is technically illegal for an estate agent to force you to use their own mortgage adviser. Above is the Act that yourself or your chosen mortgage adviser can quote if you do feel pressured – if you’re feeling brave! 😬

For more information on this article, I have attached the link below 👇👇

https://yescandomoney.com/guides/mortgage-advice/do-i-have-to-use-the-estate-agents-mortgage-adviser/

📞 01288 354495⁠
💻 [email protected] ⁠

Your home may be repossessed if you do not keep up with repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is £399.

11/08/2022

So what exactly is it I do? Apart from the obvious, here is just a small proportion of my daily tasks and the roles I take on:-

❇️ Mediator / referee (between client and agent, agent and solicitor, clients and themselves) ⚔️

❇️ Talking down underwriters from needing to know what the £3.99 transaction on a bank statement is (true story) 🤦‍♀️

❇️ Waiting on hold to lenders / solicitors / any organisation with a hold facility - (so you don’t have to) ☎

❇️ Therapist (see Mediator / referee) 💆‍♀️

In all seriousness, a mortgage adviser should be more than just a person who suggests which mortgage you should apply for. They should be there when a solicitor is asking an awkward question, they should understand if you’re feeling nervous about doing a 5 year fixed because everyone they know is telling you to do 2, because interest rates “wIlL dEfInItElY bE cHeApEr iN 12 mOnThs tImE.”

I’d like to think that I do this for my clients. And if you need some advice, if even it’s a chat about what to do in 18 months time, just drop me a line.
☎️🌐

Here's a photo of Demo Dog for some light relief 🐾

Legal bit I have to put on every facebook post:-
Your home maybe repossessed if you do not keep up your mortgage repayments. There maybe a fee for mortgage advice. The fee is up to 1% but a typical fee is £499

10/08/2022

🥰My very first Facebook Post! 🥰

So... Shall we?