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What Clients Ask The Most
"How much deposit do I need"?
"Mortgage lenders are ideally looking for a 20% deposit or more though lending is available to those with less than 20%. Call me to discuss options"?
"Should I fix or float"?
"Whether to fix or float your lending will depend on your individual situation and objectives. For example, a fixed rate will offer certainty of repayments over the term selected and a lot of lenders, subject to their terms and conditions, will now allow you to increase repayments without penalty should you be in a position to do this. In contrast, a floating allows you to repay lump some's without penalty but the rate may move up or down at any time. So, if the rate drops so does the minimum repayment but if it increases your repayments will increase. There are of course lots of other things to take into account, contact me to discuss your position and work out what may be best for you"?
"My fixed rate is due to expire shortly, should I look to refinance to another lender"?
"There may be benefits in looking to refinance, but this would depend on things such who your current lender is, interest rates being offered as well as potential cash contributions from any new lender. However, careful consideration needs to be given to any refinance as there will nearly always be some cost to this such as conveyancing fee's. Contact me to discuss your position".
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