The difference between an independent mortgage consultant and a bank representative

An independent mortgage consultant's role is to represent the client (the borrower) in front of a number of lenders (banks, and other financial entities), while a bank representative works directly for the lender and receives his salary subject to meeting targets (from the Wikipedia website).

Hiring the services of our consultants, may with high certainty save a lot of time. As we know, the process of buying an apartment is no mean feat and may even include along the way quite a few meetings with the banks, arduous negotiations, producing forms, sending faxes, pressure and stress, tiring calculations and the bottom line - an exhausting bureaucracy that almost everyone would prefer to avoid.

At this point, we help with the day-to-day dealings with the banks, which relieve our clients from wasting time, losing workdays in vain and in many cases throwing significant sums of money in the trash.

A clear and distinct advantage of using our services is its ability to save high costs for the customers, which they probably would not have been able to do if they had carried out the process alone.

We as consultants have appropriate training, control the material and are knowledgeable in the financial world, which allows us to plan and build for our clients a mortgage loan outline under much more attractive conditions, not before we have, of course, performed a thorough analysis of the financial and professional status of our clients.

Our duties do not end at the stage of signing the mortgage. Over the years, various changes occur in our lives, such as an increase in interest rates in the economy or difficulties in repaying the mortgage due to a reduction in household income. These changes make it necessary to consider a process of "mortgage recycling" This concept actually refers to the cancellation of the existing mortgage and taking out a completely new mortgage.

In various cases there is a consideration to refinance a mortgage, so it is advisable to contact one of our consultants who will check all the parameters, after which we will recommend whether to refinance a mortgage or stay with the existing conditions.

We specialize in a variety of types of mortgages including:

A mortgage to purchase a property

A mortgage for the self-employed

reverse mortgage

Mortgage for people with disabilities

A mortgage for the purchase of land and self-construction

A mortgage for investment

A mortgage for borrowers with a low credit rating

Mortgage in divorce files, inheritances and complex records