We all know that there are a lot of costs when buying a property, you have the deposit, conveyancer, survey, estate agent, removal company etc… The list is quite long so many people may try to cut costs in Eau Claire WI 54701, however there are many reasons as to why getting a mortgage broker is a wise investment!
1. They are highly regulated
Mortgage brokers are some of the most highly regulated people on the planet and have to be suitably qualified to undertake the work. They have to have a certificate in mortgage advice and practise (CeMap) and are regulated by the financial conduct authority (which are strict at the best of times) so you rest assure you are in capable hands!
2. Extra protection!
All mortgage brokers will have a duty of care for you and will always suggest the best mortgage that matches your requirements.
For example, if you decided to take a mortgage out from one of the high street banks and you couldn’t keep up with the payments then it’s basically your fault and you end up losing your house. However, if you employ a mortgage broker and they advise a mortgage that you can’t afford then they are at fault and often liable for prosecution.
They definitely don’t want that to happen, so you can guarantee whatever in Eau Claire WI 54701 they suggest will be the best possible option for you!
3. They know their stuff
Recently, there has been quite a few changes to the requirements to take out a mortgage. For example, you now have to prove that you could afford the mortgage in the event of a rise in interest etc…
There are many criteria in which you have to meet in order to get a mortgage and when you combine all of these together, it can be a very stressful and lengthy process.
Mortgage brokers do this day in, day out and get advise you on what you need, when you need it and how long it is going to take. They have specialist knowledge in this area and plenty of experience dealing with every type of mortgage. They will know which lender is likely to grant you a mortgage and how to make this process as quickly and efficiently as possible.
They will advise you on the stages of buying a property, why you should get a conveyancer and how the process works.
4. They don’t work for anyone else
One important thing to remember is that your mortgage broker works for you, not the bank, just you! This means that they will be completely impartial when dealing with your mortgage request. They do not try to sell you one particular product, so you will almost always end up with the best possible deal.
Not only can they advise and get you great deals with your mortgage, but they can also advise on other financial matters such as payment protection insurance, life insurance and building/content insurance in Eau Claire WI 54701.
They will make sure that you and your property are fully protected in case of any eventuality.
5. They are worth the money
Considering how regulated mortgage advisers are and how knowledgeable they are about the moving house process, they are generally quite inexpensive considering everything they do.
In short, a mortgage broker will look at all of your circumstances and recommend the best possible mortgage for your needs whilst giving you their incredibly knowledgeable advice and experience in Eau Claire WI 54701.
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