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I have used Justin for a couple of transactions, and lots of snippets of advice in between. He takes a very practical approach, ensures he understands our underlying objectives, and comes up with various options accompanied by full explanations, pros & cons, and respective price/cost implications.
In particular, our first transaction with him was particularly tricky, with other brokers unable to get it across the line.
Justin took it on without any fuss, and made the whole thing seem simple and move smoothly. I see myself continuing to use his services for the foreseeable future. I just wish all brokers/advisers were this helpful and thorough.
I have found Justin Whitelock to be extremely professional and would not hesitate to recommend his services. Always available and helpful throughout the process. Very impressive!
I have known Justin Whitelock for two and a half years. During this time, he has arranged five mortgages for me and each time he went through with thorough diligence and advised me of alternatives. On each occasion, advice and actions were timely and I was oered best rates that suited me. He took away all the headache in arranging a mortgage and I have no hesitation in recommending him.
If it’s a quick 2 minute call to discuss a specific question or an hour long 1:1 meeting at one of our London based offices, we are happy to oblige. Our sole focus - that at the end of the meeting you have a much clearer picture of your options available and the direction in which you wish to go.
We are directly authorised so have full access to all lenders/banks. In short, this means we are not tied or restricted to any mortgage clubs or lenders. This ensures we find you the very best product to suit your requirements and future plans.Below are just some of the lenders/banks we currently work with;
Certainly not, we pride ourselves on making sure that clients pay nothing upfront.
Once future actions have been agreed we will proceed. If a fee is to be charged the amount will be fully disclosed upfront and payable either on mortgage completion or at the point of the full BTL mortgage offer being issued.
Generally yes! First we would need to see your credit report. Once reviewed we can decide upon the best course of action.
In most cases this is fine. Understanding your future intentions is key to this process. Usually clients looking to do this are planning to rent their current home and purchase elsewhere. This is known as a let to buy mortgage.
No, it will not affect your mortgage application. Several of the high street lenders do have a minimum income of £25,000. This could mean that have fewer options available for your application.
In this case you will need to speak to your current mortgage lender before renting your property. It is of paramount importance to ask for their consent otherwise you will be in breach of your existing mortgage contract.
Any further questions?