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These examples explain situations worth discussing. They are not records of actual clients, approvals, quotations or completed transactions. Any outcome would depend on an individual assessment.
A borrower wants one monthly payment. A comparison must include the effect of spreading debt over a longer period.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A lower proposed payment would still leave little spare income. The underlying budget needs attention before any secured borrowing proposal.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A borrower is considering using home equity. The change in security and the consequences of missed payments need to be understood.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A buyer or homeowner wants to discuss debt-consolidation mortgages. Two points need attention: each debt balance, rate and payment; current mortgage and charges. Moving short-term borrowing into a long mortgage term can increase interest substantially. The evidence and the decision need to be considered together rather than in isolation.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A buyer or homeowner has started a conversation about debt-consolidation mortgages, but the brief has changed. The review revisits two points: household budget; reason the debts built up. The next step is agreed using the updated facts, with any unresolved questions recorded.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
Moving short-term borrowing into a long mortgage term can increase interest substantially. It can also turn unsecured debts into borrowing secured on your home. We review each balance, rate and term and consider whether the underlying budget is sustainable.