Is time running out to get a competitive fixed rate mortgage?

Wednesday, 14th March, 2018
guildford mortgage adviser

Have you recently switched – or considered switching – your mortgage?

If you haven’t then you’re not alone. However, it may be worth considering your options as the debate around whether or not a new interest rate rise is imminent (many are saying it is) gains ground.

Whilst we don’t know when, exactly, or by how much, the Bank of England will increase interest rates, we do know that another two are planned before 2020.

If the first, relatively modest, rise of 0.25% wasn’t enough to get you thinking about fixed rate mortgages then the second one might.

As a Guildford Mortgage adviser, we’ve seen an influx of people from across Guildford and the southeast enquire about getting a fixed rate mortgage. Lenders have increased their mortgage rates since the last interest rate rise, however it’s not too late to get the ball rolling and apply for a fixed rate mortgage.

With access to some of the most competitive mortgage deals in the UK, Complete Mortgages is still seeing a number of options which, if you were to act now, would mean that you would still benefit from an excellent mortgage rate – and would be well placed to beat the rise (if and when it happens).

We’re seeing demand for three year fixed mortgages, five year fixed mortgages and even 10 year fixed mortgages increase significantly, which indicates that people are now beginning to think seriously about locking themselves into consistent monthly mortgage payments – something that we haven’t seen on this scale for a decade.

Of course, it’s all down to affordability.

Analysis by estate agent Savills suggested that a 1% rise in interest rates would add approximately £10bn to mortgage repayments in the UK – or an average of £930 a year (£77.50 per month) to the cost of servicing an average mortgage.

Depending on your financial circumstances, you may prefer to have the flexibility that comes with other products such as tracker mortgages. Either way, if the much-deliberated rise has made its way to the front of your mind then it’s certainly worth picking up the phone and calling a member of the Complete Mortgages team, who will be able to advise you on the right fixed mortgage for you.

In answer to the original question regarding whether or not time is running out to get a competitive fixed rate mortgage, I would say that there is still time – however I would also recommend that you don’t waste time.

Complete Mortgages also specialises in other mortgages over and above fixed or tracker mortgages. We can also arrange mortgages for self-employed people, mortgages for teachers, adverse credit mortgages, buy to let mortgages and limited company buy to let mortgages. Contact us on 01483 238280 or email info@complete-mortgages.co.uk for more information.

By Mark Finnegan, Director at Complete Mortgages


Self-employed friendly mortgages

Monday, 5th March, 2018

Sometimes, it’s as though those who take the most risks are penalised the most.

At least that seems to be the sentiment of 71% of self employed people who feel that they are discriminated against when it comes to getting a mortgage, according to new research from The Mortgage Lender.

Yes, mortgages for self-employed people seem to be that little bit harder to come by, which is a huge shame – particularly when it’s this demographic who play key roles in growing the UK economy and given how, according to new research by Data Line for Business, there are now record numbers of self-employed people in the UK.

Data Line for Business’s research highlighted how:

  • One in seven people now work for themselves
  • The number of self-employed people have grown by a million since a decade ago
  • Self employed women have grown 24% to 300,000 since Q2 2013

Whilst this is great news when it comes to the UK’s entrepreneurial spirit, it’s very much at odds with the barriers – and the perceived barriers – to self-employed mortgages.

What’s the problem with getting a mortgage if you’re self-employed? 

We often get self-employed people asking, ‘Why is it hard to get a mortgage, even when my monthly mortgage repayments would be significantly less than my current rental outgoings?’.

The truth is that lenders find it hard to assess self-employed people as they might pay themselves different amounts at different times. Some may choose not to pay themselves much at all in order to keep cash in the business.

Prior to the financial crash, self-certification mortgages enabled business owners to get a mortgage relatively easy. After the crash, lenders became less inclined to lend on the basis of what the applicant claimed they earned.

However, there are a number of accessible self-employed mortgages on the market right now. Also, as a Guildford mortgage broker that specialises in contractor mortgages and mortgages for the self-employed, we are well placed to help all business owners – from sole traders to owners of limited companies – get a mortgage.

Our advice would be to get in touch on 01483 238280 or email us on info@complete-mortgages.co.uk. Also, in advance of speaking – or meeting – with a member of the Complete Mortgages team, we would recommend that you gather the following documentation in readiness: –

1. Two years’ accounts (if you have a Limited Company or Partnership)

2. SA302 forms and Tax Year Overviews for the two past two years. Here’s a link for more information on how to obtain them

3. Proof of a deposit (or equity in your property, if remortgaging) of at least 5%

Getting a mortgage if you’re self-employed isn’t unachievable. It just requires a little more work. However, as a mortgage adviser in Guildford, we’ll handle the legwork on your behalf.

Remember, Complete Mortgages doesn’t just specialise in mortgages for self-employed people. We also specialise in mortgages for teachers, adverse credit mortgages, buy to let mortgages and limited company buy to let mortgages.

By Mark Finnegan, Director at Complete Mortgages


How to remortgage

Tuesday, 13th February, 2018

2018 is the year of the remortgage.

If you didn’t read my last piece and are wondering why 2018 is any different to 2017 – or any other year for that matter – then read on.

Going up? 

Nobody knows when or even if interest rates will go up in 2018, however there is much talk and speculation that the Bank of England could raise the Base Rate of interest by up to 0.50% at some point this year.

To put this into context, it would mean that someone on a variable rate mortgage borrowing £200,000 would face up to a £600-a-year increase.

Getting the most from your mortgage 

First of all, and despite what you may think, arranging a new mortgage is really straightforward – particularly if your mortgage broker is handling it on your behalf.

As a Guildford mortgage broker we see it all the time; people resisting remortgaging due to the perceived ‘hassle’, only to be pleasantly surprised when it’s all done and dusted without much effort on their part.

Here are Complete Mortgages’ top tips on remortgaging to get you started:

1. Dig out your paperwork 

Having an understanding of how much is outstanding on your mortgage, the mortgage term and any fees attributable with changing your mortgage will make it easier to navigate any questions that you will inevitably have to answer.

2. Know what you spend 

The process of getting a mortgage has changed over recent years, in as much as lenders now want to see clear evidence of your outgoings and, more importantly, your ability to comfortably make the mortgage repayments. Having some idea of what you spend on a monthly basis in advance will save time to-ing and fro-ing.

3. Do your homework

It may sound obvious, but take some time to find out what mortgage products are out there. New mortgage products are entering the market all the time, so make sure you pick the right mortgage for you and your lifestyle. More importantly, make sure that you’re set to benefit from a mortgage switch and that any financial gain from a new mortgage isn’t wiped out with exit fees from your existing mortgage.

Is there an easier way of doing this?

Of course there is. Using a trusted mortgage broker, such as Complete Mortgages, will save you a lot of legwork, time and possibly a bit of heartache, too.

If you let us handle your remortgage we’ll not only manage the entire mortgage application process on your behalf, but we’ll also spend the time finding the right mortgage for you, from the hundreds available (including the many broker exclusives that we have access to). What’s more, depending on the product chosen, there may not even be a fee for you to pay at all.

See, remortgaging really isn’t as difficult as you might think.

Contact the team on 01483 238280 or email info@complete-mortgages.co.uk to find out more. Even if you’re not looking to remortgage, don’t forget we’re also specialists in buy to let mortgages, limited company buy to let mortgages, adverse credit mortgages and commercial mortgages, too.

By Mark Finnegan, Director at Complete Mortgages


New Year, New Mortgage (but don’t leave it too late)

Monday, 29th January, 2018

Now that the New Year is fully underway, we’re urging our clients to start taking steps towards getting a new mortgage.

Whilst there are still a few lenders that are yet to increase their rates in line with the recent interest rate rise, the majority have already done so. Now, if you’re on a fixed rate mortgage then this won’t affect you.

However, if you’re currently on the standard variable rate (SVR) – or are about to enter the realms of the SVR – then this may be of interest.

1. Some lenders still haven’t raised their rates

For those who haven’t been thinking about their mortgage and what the interest rate rise means for them over the last few weeks, there’s still time to switch to a pre-interest rate rise mortgage deal – but you’d better be quick.

2. Beat the New Year rush

Whilst 2018 is in full swing, it can often take a few weeks before people start to really think about their next mortgage move. In fact, sometimes it’s February before the mortgage market really gets going. Put simply, if you act fast we can get you ‘mortgage-ready’ before everybody starts to want to do the same thing.

3. To rise or not to rise

There is already speculation that the next interest rate rise could come as early as May 2018, which means that if you haven’t already noticed the difference to your monthly mortgage repayments, then you may well do if the next interest rate rise comes as early as spring.

As a Guildford mortgage broker that has been in business since 2005, we’re still amazed to see the reaction on our clients’ faces when we explain how easy it is for them to remortgage. It’s even easier if you let a reputable mortgage adviser manage the process on your behalf.

So, if any of the three points raised here are relevant to you and you feel that you’re ready to remortgage – or at least you’re thinking about remortgaging in 2018 – then call us so that we can get your mortgage application underway.

Even if you aren’t looking to remortgage and simply need to arrange a mortgage, either for the first time or on a new property, then call us on 01483 238280 or email info@complete-mortgages.co.uk.

Remember, we also specialise in buy to let mortgages, commercial mortgages, limited company buy to let mortgages, equity release mortgages and adverse credit mortgages.

By Mark Finnegan, Director at Complete Mortgages


How will the interest rate rise affect my mortgage?

Monday, 27th November, 2017
complete mortgages

Well, it’s finally happened.

We knew it was coming, of course; or at least we had an inkling. Those of you who follow the news may even say we had fair warning.

The thing is, a rise in interest rates had to come at some point. Especially when you consider how the base rate dropped to 0.50% way back in April 2009 and maintained that level until August 2016, when it dropped a further 0.25%. The recent announcement was, in fact, the first interest rate rise since 2007.

And whilst it’s good news for savers, those on standard variable rate mortgages and tracker mortgage products are likely to notice the difference, particularly if their level of mortgage borrowing is substantial. As a result, there will undoubtedly be many people wondering how much more expensive their monthly mortgage repayments will become following the hike.

Rather than provide a breakdown of costs based on mortgages valued at X, Y and Z (particularly when there are countless mortgage calculators online that can give you the exact difference to the pound), I’d like to use this article to reassure homeowners with mortgages and let them know that there are still hugely competitive fixed rate mortgages available.

First of all, the 0.25% interest rate rise equates to a monthly mortgage repayment increase of around £18 based on an average 25 year repayment mortgage of £150,000 – or £216 a year. However, perhaps the most important thing to consider is the likelihood of a continued rise in interest rates – something that none of us can predict.

For example, if we take that average mortgage amount of £150,000 and add another 0.25% rise, and then another 0.25%, monthly repayments begin to climb by £36 and £54 respectively; £432 and £648 if we approach it on an annual basis.

And whilst nobody knows when the next interest rate rise will be, it is our job to make our clients aware of the financial implications of further incremental raises.

Our advice is as follows: –

1. Find an online mortgage calculator and understand the implications of further interest rate rises in increments of 0.25% (for many people, this hasn’t been a consideration for almost a decade!)

2. Review your current mortgage; even if the recent rise isn’t enough of a shock to make you switch your mortgage, there’s no harm in reviewing it and weighing up your options.

3. Contact a member of the Complete Mortgages team to find out how we can help you benefit from some very competitive fixed rate mortgages – before they become less competitive. Don’t delay – we have access to some great 5 year fixed mortgage rates which won’t be around forever – speak to one of our advisers now.

Contact Complete Mortgages on 01483 238280 or email info@complete-mortgages.co.uk to find out more. Remember, we also offer specialist mortgages including limited company buy to let mortgages, equity release mortgages and adverse credit mortgages.

By Mark Finnegan, Director at Complete Mortgages


Three reasons to use a buy to let mortgage broker

Monday, 6th November, 2017
buy-to-let mortgages

The buy-to-let mortgage market is booming – but not necessarily in the way you might think.

In fact, it’s taken quite a pounding over recent years. The first attack came when George Osborne, in his role as Chancellor, announced the phasing out of tax relief for landlords. The second, also a ‘blow’ by Osborne, came in the form of stamp duty surcharge on additional properties.

The result? The jury’s still out, however the repercussions seem to be a combination of landlords with high LTV mortgages releasing some of their properties back on to the market and existing landlords raising their rent.

Yet recently released figures suggest that buy to let mortgages are far from over.

According to Moneyfacts*, there has been a seven per cent rise in the number of buy to let mortgage products to enter the market, taking the total to 1,735 – the highest number of mortgages for landlords since the heady, pre-crash days of 2007.

It also makes choosing the right buy-to-let mortgage increasingly difficult.

So, as increasing taxes don’t seem to be putting off would-be landlords from entering the market – and following our recent ‘five reasons to use a mortgage broker’ article – we thought we’d outline three key reasons to consider using a buy to let mortgage broker.

1. Time is money

As a mortgage broker in Surrey, a county with a large share of buy to let landlords, we are in a continuous cycle of appraising new buy to let mortgage products in the context of our clients’ needs. Of course this is hugely time consuming – however it’s our job. You, on the other hand, may not have the time required to separate the wheat from the chaff and sift through this growing glut of deals.

By getting a buy to let mortgage broker to do the legwork and find a deal based on your personal requirements – all of which would have been established during an initial consultation – you are able to save yourself huge amounts of time by only having to deal with a shortlist containing the best-of-the-best deals.

2. Mortgage brokers are mortgage experts

If you’re looking to sell your property, you’ll no doubt commission an estate agent to sell it. If you have a problem with your roof you’ll consult a roof specialist. Similarly, if your car’s not working, you will probably visit a mechanic. We can’t all be experts in everything – there simply isn’t enough time. We don’t claim to be property experts, nor can any member of my team (myself included) fix a car, but we are experts in arranging a mortgage for our clients. If you want to save time and benefit from expert advice, then use a mortgage broker with a good reputation.

3. Not just any mortgage

Those of you that already have experience of getting a mortgage – either independently or though a mortgage adviser – will know that there is a lot of ‘crossing the Is and dotting the Ts’. With buy to let mortgages, there is even more.

Not only that, but a good mortgage broker can help advise you with regards to making sure the numbers stack up (i.e. the mortgage you secure works in tandem with the rent you plan to charge). The difference between 1% on your mortgage rate here, or a potential/hidden charge there, can make a serious impact on your profit. An experienced buy to let mortgage broker will be able to review this in relation to your own requirements very quickly and make sure that you get the right deal for your circumstances.

Cut through the buy-to-let mortgage ‘noise’ and contact Complete Mortgages on 01483 238280 or email info@complete-mortgages.co.uk. Remember, we also offer specialist mortgages including commercial mortgages, self-employed mortgages and adverse credit mortgages.

By Mark Finnegan, Director at Complete Mortgages

*https://www.ftadviser.com/mortgages/2017/09/12/number-of-buy-to-let-deals-at-10-year-high/


The buy to let mortgage goalposts have moved… again

Thursday, 28th September, 2017

Staying on top of the buy-to-let mortgage market has become a job in its own right.

Some changes are small and relatively inconsequential – the inner workings, or behind the scenes details, if you will, that we tackle as part of the mortgage application process and that don’t need to burdened on our clients.

Others, such as the upcoming Prudential Regulation Authority changes, which will be applied by 30 September 2017, do need some light shed on them.

After all, current landlords and those in the process of applying for a buy to let mortgage are coming to us and asking ‘what does it mean for me?’.

In order to make the information accessible to everyone, we’ve prepared our Prudential Regulation Authority changes made simple.

This should clear a few things up, however if you still need clarification then please call a member of the Complete Mortgages team on 01483 238280, who will be more than happy to help.

So, if you’re a landlord and wondering ‘how will the new buy to let rules affect me?’, then read on.

1. Size matters

As part of what appears to be a crackdown on buy to let landlords who have ‘stockpiled’ mortgaged properties, the new rules really impact those who have four or more properties within their portfolio.

It’s also important to note here that the figure of four doesn’t relate to the number of mortgages you have – but the number of properties. If you own four properties under one mortgage then you will still be treated as a portfolio landlord. If you have two or three mortgaged buy to let properties, the new lending criteria will not affect you.

2. Down to the last detail

If you currently own three buy-to-lets and are looking to buy a fourth, or if you already own four and are looking to buy more, then you will be required to prove that your other properties – or at least your ability to cover the cost of the other properties – won’t be affected by taking on another.

To do this, lenders will:

a. Want to review income from other sources – including that derived from your existing portfolio – to ensure that can cover maintenance and void periods

b. Assess your experience as a landlord

c. Apply an Income Coverage Ratio, which is dependent on a number of factors including all your earned income. Note: this will vary from lender to lender

d. Require full details of the entire portfolio in order to assess the overall risk, potentially including assets/liabilities, cashflow and investment intentions.

Essentially, lenders will want to carry out stringent checks to make sure that taking on an additional property – or properties – will not be too much of a financial stretch.

3. Getting personal

Of course, as part of these checks, lenders will also want to know your personal liabilities and outgoings, too.

Expect the following areas to be explored as part of the review:

a. Credit cards and their balances

b. Vehicle financing agreements

c. Loans

d. General outgoings

The buy to let mortgage market is a constantly evolving sector. As a result, it’s important that you don’t get caught out.

As a Guildford mortgage broker our advice for buy-to-let landlords is to contact a mortgage adviser to find out how the new changes might affect you personally.

Likewise, we recommend that all new and aspiring landlords find a reputable mortgage broker to advise them on how to apply for a buy to let mortgage in the context of the impending new rules.

Contact Complete Mortgages on 01483 238280 or email info@complete-mortgages.co.uk. Remember, we also offer specialist mortgages including limited company buy to let mortgages, equity release mortgages and adverse credit mortgages.

By Mark Finnegan, Director at Complete Mortgages


Mortgage wars: a battle that shouldn’t be fought on price alone

Wednesday, 13th September, 2017

The Telegraph recently published a story that focused on the ‘battle for mortgage customers’ and the intensification of a war that is seeing lenders cut both their rates and penalty fees.

As a Guildford mortgage broker, Complete Mortgages feels and acts on the launch of each and every new mortgage product and the fluctuation of rates associated with those that already exist on a daily basis; indeed, it is our job to do so.

However, our view on the language used by the national media that places home buying in the context of a war – and the portrayal that the mortgage market is an arena in which only the cheapest product and lender will win – is bad not only for the mortgage industry, but also those applying for a mortgage.

Firstly, it’s important to highlight that the cheapest mortgage isn’t necessarily the best mortgage.

Evidence suggests that the average rate of two and five-year fixed mortgages has significantly decreased over the last seven years, and that’s undoubtedly a good thing. The more competitive lenders are, the more attractive their mortgage products become.

However – and this is very important – not everyone’s circumstances are the same. So, whilst a five-year fixed mortgage may be ideal for candidate A, it may not be so effective for candidate B.

Simply distilling mortgages and the mortgage application process down to a price war – something more akin to inexpensive consumer products such as bread and milk – doesn’t take into account the nuances surrounding each individual’s lifestyle and financial position.

It could also panic those looking for a mortgage into running headlong into a mortgage deal that may not necessarily suit their needs in the long (or even short) term.

The same Telegraph article suggests that lenders are already braced for a surge in new applications as a wave of existing fixed-term deals come to an end this autumn.

If this surge of applications originates from mortgage applicants who are well informed then we fully support that – but finding a mortgage broker who can guide you through the process and establish the right mortgage for you before you commit to anything should be your first port of call.

As an award-winning mortgage broker, our recommendation to those looking to secure a mortgage – or remortgage – is to seek professional mortgage advice; advice that treats a mortgage for what it is, which is a long-term commitment and not a simple day-to-day purchase.

If you’re looking at getting a mortgage – or remortgaging – this autumn then don’t get caught up in the bottleneck. From specialist self-employed mortgages and commercial mortgages through to first time buyer mortgages and adverse credit mortgages, Complete Mortgages can recommend a mortgage to match your own personal circumstances.

Contact us on 01483 238280 or email info@complete-mortgages.co.uk for an insightful, thoughtful and expert view on the current mortgage market – and a professional opinion on where you might fit within it.

By Mark Finnegan, Director at Complete Mortgages


Revisit, remortgage and save money

Thursday, 29th June, 2017

It’s funny. Everyone is always looking for a deal (myself included) and yet sometimes, even when the deal is right in front of him or her, they just can’t see it.

What’s even more ironic is that people can expend huge amounts of energy collecting loyalty points here and ‘50p off your next box of tea bags’ vouchers there, all the while missing out on the most important deal – and one that could save them hundreds of pounds each month.

The deal I’m referring to in this case is the often-overlooked remortgage.

As a Guildford mortgage broker I can honestly say that I don’t think I’ve seen as many instances where there is such a gulf between the mortgage our clients signed up for (call it point A) and the mortgage that they could have now, even with the same lender (call it point B).

Naturally, it is the Complete Mortgages team’s job to make our clients aware of how they could save money on a mortgage – or, to put it another way, how much they are overpaying on a mortgage. And that’s what we’re in the process of doing right now, much to our clients’ delight.

However, for many people – namely those who either don’t use a mortgage broker or don’t have a proactive mortgage broker, they might never know.

Whilst there’s lots to be said for the proverb ‘ignorance is bliss’, or ‘what you don’t know can’t hurt you’, I’m pretty sure that people would rather have the opportunity to change mortgage – or at least be alerted to the prospect of changing their mortgage – and that’s the purpose of this article.

If you’re one of those people who applied for a mortgage two or three years ago, when deals were great and seemed as though they couldn’t get any better, then this is for you.

Essentially, mortgage deals have got better and you could quite easily be saving hundreds of pounds each month as a result.

In some cases you could simply switch your mortgage to a different deal on offer through the same lender. Not only can we handle ALL the paperwork and application process on your behalf, but also our service is completely FREE for you.

Our usual fee is £399 however in the case of a simple mortgage switch with your existing lender, we wouldn’t charge you a penny.

Even in cases where a fee may be chargeable, the process of remortgaging could still work out financially beneficial for you in the long run.

Our advice is to contact a trusted mortgage broker to explore your options and discover how easy it is to save money on your mortgage. You may or may not want to use Complete Mortgages – or even a mortgage broker in general – but at least you can’t say that we never told you.

Are you looking to remortgage? Interested in finding out of you could save money on your mortgage by making a simple change to your current mortgage? If so, contact us on 01483 238280 or email info@complete-mortgages.co.uk. Remember, we’re also specialists in buy to let mortgages, adverse credit mortgages, limited company buy to let mortgages and first time buyer mortgages.

By Mark Finnegan, Director at Complete Mortgages


Robo-mortgage advisers… whatever next?

Thursday, 8th June, 2017

Now, before reading any further I should point out that, like most people, I too use a series of apps to help make my life that little bit easier. From monitoring how active I am to listening to music, apps are now an essential part of my everyday life.

However, on reading a piece in the Telegraph recently with the headline ‘New app promises to sort your mortgage by iPhone as home buying goes digital’*, I have to say that I experienced the first pang of ‘app cynicism’ I’ve felt since I began using them.

Not because, as a mortgage broker, I felt in any way threatened by the advent of digitised mortgage applications, but because my first thought was that some things should genuinely be left alone. Applying for a mortgage, in the context of apps, is one of those things.

Admittedly, claims of being able to complete a mortgage in 15 minutes or begin the mortgage – or remortgaging – process through a mobile app sounds fantastic. However, having been a Guildford mortgage broker for almost two decades, I know that the reality of carrying out a successful mortgage application relies less on software and more on relationships and a personal touch.

Buying a house is, for the majority of people, the biggest financial decision that they will ever make. Now, relying on software to order your coffee so that it’s served to coincide with your arrival, count how many steps you’ve taken in any given day, or alert you when it’s time to drink more water is one thing. But do you really want to place one of life’s larger purchases in the hands of a faceless app?

Not only that but who do you contact when things go wrong or don’t go quite according to plan?

The mortgage application process can be complicated, resource intensive and is often affected by a number of variables and external organisations. Whilst it’s okay to seek a simplified one-button solution to some of the more mundane aspects of modern life, a one-button solution to mortgage applications is, in my view, a false economy.

In fact, let’s compare it now. Complete Mortgages typically spends 15 – 20 minutes to carry out a factfind, which is similar to what some ‘robo-advisers’ claim to take, and from that point onwards everything is handled personally by a dedicated account handler who is able to fast-track the process, carry out those sometimes-sensitive chase up calls with the lender or provide feedback to the estate agent from which the mortgage applicant originated.

We’re proud, for instance, of our high customer service ratings as showcased on our website – all of which are the direct result of real actions of real people, who not only help people secure mortgages day in, day out, but who also do so after having built a strong rapport with the customer.

Yes, there are many services and experiences that have improved through automation, however these are typically services and experiences that are black and white, that have a simple beginning and end point, and that aren’t always reliant on multiple processes in order to reach a successful conclusion. Getting a mortgage isn’t one of them.

That said, I wish those who have launched – or are in the process of launching – automated mortgage apps the very best and I will watch with interest.

In the meantime, I must go. I’m being told that I have a meeting and that I need to purchase a gift online in the next five minutes to make tomorrow’s post – all by my apps, of course.

If you need to apply for a mortgage and would like to speak to a real person, then contact Complete Mortgages on 01483 238280 or email info@complete-mortgages.co.uk. We specialise in first time buyer mortgages, commercial mortgages, buy to let mortgages, adverse credit mortgages – and providing first-class customer service. 

By Mark Finnegan, Director at Complete Mortgages

*http://www.telegraph.co.uk/business/2017/04/18/new-app-promises-sort-mortgage-iphone-home-buying-goes-digital