Like a Phoenix Rising From The Ashes... last, are there any penalties if you pay off your commitment early, who is the lender, what interest rate will you be paying, how much will you pay overall? • Make sure you have the correct insurance in place - It’s a requirement of a Mortgage Offer to have buildings insurance in place • Do you really need that Credit Card? Car on Finance? The items you just put on said credit card? - Remember you still have to pay off your credit card and chances are you’ll be paying more for the item than it originally cost due to interest • Keep your credit history in good nick - Don’t utilise more than 50% of your Credit Card limit, maintain all your credit commitments, DO NOT take out pay day loans for any reason! Every day is a busy day now… with a variety of cases to work through at different stages of the home buying process but knowing she is trying her best for her clients certainly makes her proud. She has had over 70 five star reviews… Serena says “They are all so kind and I’m really pleased to say I’ve never bought any leads and I am found by people who want to work with me!
Roll back twelve months and Serena was about to go to sleep, ready for her last day as an employed Mortgage Adviser, having slogged her guts out for 15 months for a small IFA firm based in Clitheroe town centre… They had given her one weeks’ notice and hadn’t even considered offering her Furlough pay.
T
his was the wake-up call she needed to go selfemployed. It has been a rollercoaster, 12 months later she is still having to claim support but she is working hard to help her clients and is the happiest she has been in years… recently even forfeiting her beloved Pilates to finally secure an offer she has been pushing for weeks for a client and submitting a Full Mortgage Application for a relative who’s been house hunting for ages. She loves to share her knowledge and give her best tips on her Social Media Sites to ensure you stay on the right side of your Mortgage Lender or to increase your ability to borrow: • Never miss payments on ANY credit commitments • Understand the risks involved with any credit commitment - How long will this commitment
www.lancmag.com
I can honestly say hand on heart I do my absolute best for all my clients and truly get the best feeling helping them I aim to provide the ultimate customer service experience by delivering the highest standards. As your Mortgage and Protection Specialist I will assist you throughout the home buying, moving or re-mortgage process to ensure you receive the right guidance and advice. I’m always happy to answer questions and offer advice on mortgages and personal insurance. Please don’t hesitate to contact me.”
Serena Smith Mortgage Adviser Cert CII (MP) Mortgage & Protection Specialist E serena@mortgageswithserena.com D www.mortgageswithserena.com N 07480 045007
LFTI LANCASHIRE & NORTH WEST MAGAZINE 139
