Lucy added: “Every homeowner wants to get
the most suitable deal and going through a broker opens up possibilities you won’t get through a lender. T ere are so many products, it is almost impossible to know for certain that you’re getting the right one just by using comparison websites and the like. “By building up a rapport with my clients,
understanding what stage of their lives they are at, their attitude to risk, their personal circumstances, I can help them fi nd something that works for them. “At the same time, there are specific
circumstances that don’t need to be an issue if you approach the right lender through a broker. So, for instance, it might be something a little more complicated like shared ownership or buy-to-let mortgages, or considerably more complicated, like self-build. For the client, it might be that they are self-employed or a contractor, or have issues with credit. None of those need to be a barrier to borrowing money, there are lenders who will work round those issues, but they will only usually do it with a broker that understands the situation and can provide all the relevant information.” Johnson Brooks Mortgage Solutions will help
homeowners or prospective homeowners fi nd the most suitable and competitive mortgage, saving them time and money by doing all the ‘leg work’.
T e initial conversation with Lucy is free of charge, with the client only starting to pay fees once the groundwork is done and the process of fi nding a mortgage begins. From there, Lucy will act on the client’s behalf in any negotiations
and ensure the client understands any decisions that are made and the criteria behind them. Johnson Brooks Mortgage Solutions also offers advice on products from a leading panel of insurers, including building and contents insurance, life and critical illness insurance, income protection and redundancy insurance. Lucy has close working relationships with estate agents, property lawyers and commercial, bridging and lifetime mortgage providers, where clients have a need for such services. Once a mortgage is in place, Lucy will remain in contact with
the client to ensure everything is going well, and to remind them of upcoming renewal dates and the need to make sure they continue to benefit from the most beneficial rates and products. “Regular reviews are important at any time, but over the past
year or so I’ve taken time to check with my clients that their circumstances haven’t changed in the light of the pandemic, and that they are still able to meet their payments and aren’t struggling financially,” said Lucy. “People need to get to know you and trust that you are looking after their interests.”
To fi nd out more email
lucy@johnsonbrooks.co.uk or call 07703 828663 – Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other loans secured on it. Johnson Brooks Mortgage Solutions, a trading name of Lucy Johnson Botta, is an appointed representative of HL Partnership Ltd which is authorised and regulated by the Financial Conduct Authority.
ALL THINGS BUSINESS
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