September 23, 2024
Sarah Coughlan is a mortgage and protection adviser with over 20 years’ experience of giving sound advice to clients looking for the most suitable mortgage deal for their needs.
She says, “one of the most important things about going to an independent mortgage adviser rather than relying on one of the many search platforms out there is peace of mind that you’ve looked at the whole market – so you haven’t potentially missed out on a better deal.
“Another plus is the level of service and support I can offer, especially if you’re a first-time buyer or need a mortgage in particular circumstances. I’ve worked with a lot of women, for example, going through separation or divorce, who have had to disentangle their finances and work out what they can afford to borrow. It can be daunting, so being able to rely on my support can take away a lot of the uncertainty.”
An experienced mortgage adviser like Sarah also has relationships with many lenders, so having her on your side usually means that she can help simplify the process of making a mortgage application.
This is particularly important if you are a first-time buyer, or are uncertain about the process of applying for a mortgage or buying and selling property.
Although using an independent mortgage adviser means that there is a fee for their financial advice (which will be transparent at the outset), it can save you money in the long run, by ensuring that you get the best rate available to you. It can also significantly reduce the stress of buying a property, because you have an experienced professional on your side, who will guide you through each step, and perform due diligence to ensure your mortgage offer meets your needs.
As Sarah also points out, “many people know that it is possible to lock in a competitive mortgage rate early, so that you don’t miss out if interest rates rise again. But what a lot of people don’t realise is that if you do that, you can still shop around for better rates before you complete on your mortgage. As a mortgage adviser and paraplanner, I can help with researching the market, to make sure you get the best rates if interest rates fall again before you complete. I’ll also help you to put in place the appropriate level of mortgage protection or life insurance, to protect you and your family’s finances in the event of the unexpected.”
At Talis IFA, we offer transparent, objective financial advice in plain English, walking you through all the options available to you and ensuring that we fully understand your financial circumstances and objectives before making recommendations based on the whole UK market.
Whether you are buying your first property, moving house, or remortgaging to get a better rate; if you’d like some advice, contact Sarah.
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