mortgage advice bureau quick presentation 16.10.2015
TRANSCRIPT
MAB – Doing what’s right for you
MY PAST
MY PRESENT
MY AIMS
HOW ?
Social media
presence:
At MAB I pride myself on
understanding your needs
as providing
you
with right advice –
is at the heart of
everything I do.
Social media
presence:
Important
factors in
choosing a
broker
Award
winners Modern responsive
website
Large
National Customer
Testimonials
National media
presence 1st page
Active on
Social Media
Social media
presence:
Mortgage
market super
brands
MY
We can also recommend
the right protection………
MAB – Doing what’s right for you
What do I do?
MAB – Doing what’s right for you
Who can I help?
Pembrokeshire’s a
small place!
MAB – Doing what’s right for you
MAB – Doing what’s right for you
Buy-to-Let
Apart from the purpose of the
mortgage, the main difference with a
buy-to-let mortgage is that the lender
ill use the rent you will receive for the
property to assess affordability. Some
may also take the landlord's personal
income into account.
MAB – Doing what’s right for you
The amount of mortgage products
available has passed 15,000 for the
first time since 2008, according to
Mortgage Advice Bureau’s National
Mortgage Index.
Over the last few years, customers
Come to brokers such as myself
as a gateway to securing a
mortgage as no single lender can
rival the choice of that of an
adviser can offer.
MAB – Doing what’s right for you
What makes a good mortgage rate?
Initial Rate: An initial rate is the amount charged by a lender to a borrower at
the beginning of the mortgage. This is usually a promotional rate
that is over a short-term period before then changing to the
subsequent rate.
Subsequent Rate: This is the rate that you will end up paying after the promotional
period. It is usually the lender's Standard Variable Rate (SVR) and
releases you from any early repayment charge that you would
have to pay if you were to re-mortgage during the initial rate
period.
Overall Rate for Comparison/APR:
This is simply the overall rate if you combine the initial rate with
the subsequent rate and includes any fees that may have been
added.
Typically, having a lower overall rate is the better option as this
means that you will pay less interest over the life of your
mortgage. However, there are circumstances where you may
benefit from a lower initial rate, though this will result in bigger
repayments further down the line.
MAB – Doing what’s right for you
MAB – Doing what’s right for you
Feelin’ the love……..