For estate agents
Buyers who know what they can afford
You've seen it. A buyer falls for a house, offers, and three weeks later the mortgage doesn't stack up. I'd rather your buyers came to viewings knowing what they can really afford, with a decision in principle based on verified income rather than a hopeful number.
A straight view on affordability, fast
When you introduce a buyer, I aim to speak to them within one working day and, where possible, have a decision in principle in place before they view or offer. A decision in principle is a lender's written view of roughly what they'd lend, and I base it on payslips or tax figures wherever I can, so the figure is one a lender will stand behind.
Feedback you can act on
With the buyer's permission, I'll confirm to you that they have a decision in principle and that the offer they're making fits it. Nothing more than that, and nothing without their say-so.
The chain kept moving
Once an offer is accepted, my administrator and I chase the lender and stay in touch with the solicitors, aiming for a written update to the client every Friday. That usually means fewer calls to you asking what's happening.
Your sellers too
If your vendor needs a mortgage on their next place, or wants to look at the one they're keeping, the same applies.
Your client always chooses
If a buyer has a broker they trust, I'll say so. If I can't help, I'll say that too. Nobody is pushed towards me and nobody is chased. They get the same six things I aim for on every case, which you can read on the home page.
How it's set up
I work with a small number of agents across Merseyside rather than everyone. A quick call to see whether it fits, then it's put in writing so that everything is done properly and by the book.
“Excellent service - our mortgage advisor Ethan was extremely knowledgable, helpful and proactive throughout the entire process. The onboarding process was simple and we were regularly kept informed on the status of our application and what the next steps would be.”
Talk about working together
Tell me who you are and I'll aim to come back to you within one working day.