Mortgage Broker HalesowenJames Barfoot, Four Nations Mortgages
Mortgage Broker Halesowen
I specialise in finding the right mortgage for you and making the process as easy as possible. I also have access to some exclusive mortgage rates which are not available if you go direct to a bank or building society.
People choose Four Nations because the needs of our clients come first, every time. I believe in responsible mortgage borrowing, I will hold in-depth discussions to ascertain affordability today, if mortgage rates increase and also the implications of lifestyle changes.
Mortgages fees range from £0-£495, and Equity release standard advice fee is £995.
Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.
CeMap (Certificate in Mortgage Advice)
ER1 (Certificate in Equity Release Advice)
Dip CII (Diploma in Financial Planning)
I have 20 years’ experience in the financial sector working for major banks such as Lloyds, NatWest and Halifax. I provided advice on mortgages, protection insurance, investments, stakeholder pensions and day to day banking. I have now decided to specialise solely on providing mortgage, equity release and protection advice.
I will explain the complicated process of obtaining a mortgage in a manner customers will fully understand. I can put your mind at rest and talk you through the whole process of buying a home. This includes dealing with the estate agents and solicitors from the initial application until you finally complete the purchase. I can see you whenever suits yourself outside of bank working hours, and will always be on the end of the phone if you need me.
If you are looking for your first mortgage, want to raise money with a re-mortgage, you are planning your next house move, want to buy a property to rent out, or simply want to know that your existing deal is still the most suitable and cost-effective one for you, I can help you.
I also want to make sure you can protect your mortgage debt and lifestyle and I can provide protection for you and your loved ones as cost-effectively as possible, giving you peace of mind and the satisfaction of knowing you’re taking good care of their needs.
James came to our home on an evening so we could be comfortable when discussing our finances, we did not have to take time off work to go to a bank. He explained everything in plain English and made sure we fully understood the complicated process of renting our existing property out whilst moving to a new home. He was also able to get us exclusive mortgage rates, he dealt with the whole mortgage process and kept us informed.
I would strongly recommend seeing a mortgage broker rather than going to a bank or building society.
Without James there is no way we would have been able to move into the property on the date myself and the person buying our house both wanted, the chain would of fell through,
James completed both our mortgage and the person buying our house, he dealt with all the solicitors and estate agents, he was able to speak to the underwriter at Virgin who managed to prioritise our case and push it to the top of the queue so the completion date was not delayed, I would always recommend a mortgage broker and not go direct to a bank. He looked after our interests and was always at the end of the phone when we needed him.
Get In Touch!
Mortgage Broker Halesowen, West Midlands & Surrounding Areas
Phone: 01384 888900 or 07929 535056 or Email: email@example.com