Second Countrywide broker joins Complete Mortgages

Monday, 6th August, 2018
Mortgage Broker Knaphill

Guildford mortgage broker, Complete Mortgages, has lured yet another high-flying mortgage specialist from the UK’s largest single mortgage brokerage, Countrywide, as part of its continued growth plan and following a series of national mortgage industry award wins.

Sam Man, who takes the Complete Mortgages team to 14 people, spent one-and-a-half years at Countrywide after taking over the role of mortgage and protection consultant from Lee Cousens when he left the firm to join Complete Mortgages in 2017.

Prior to working at Countrywide, Sam established his career as a senior banker and protection consultant at Lloyds TSB and Natwest.

Building on Complete Mortgages’ relationship with Surrey’s network of 17 independent estate agents, Seymours, which has seen senior Complete Mortgages brokers permanently located in the estate agent’s offices, Sam will operate out of Seymours’ Knaphill office from August 2018.

On joining the team, Sam comments: “Complete Mortgages is a Guildford Mortgage Brokerage with a national reach and a growing reputation for securing great mortgage deals for its clients. This, combined with its award-winning service levels, makes Complete Mortgages a great company to work for and an opportunity that I’m looking forward to develop as I make it the ‘go-to’ mortgage broker in Knaphill.”

Complete Mortgages has grown significantly since it was established in 2005 and become nationally renowned for providing access to a diverse range of mortgage products, from first time buyer mortgages and buy to let mortgages to adverse credit mortgages and equity release mortgages. It also continues to win prominent Mortgage Intelligence Awards year after year.

Mark Finnegan, Director at Complete Mortgages, adds: “We’re delighted to have once again appointed a high-profile broker from a high-profile brokerage and we now look forward to building on our success, growing our client base and continuing to deliver an award-winning mortgage broker service.”

If you are looking to arrange a mortgage in Knaphill contact Sam via sam@complete-mortgages.co.uk or call 01483 238280.

 


How to get the best equity release mortgage advice

Thursday, 24th May, 2018

Equity release mortgages have well and truly arrived.

As recently pointed out in our last equity release article, which includes a five point guide as to what you need to know about equity release loans, it is estimated that the value of UK equity release mortgages increased by £10bn last year.

However, it’s important to note that wherever there’s an opportunity, there are always opportunists, which was my first thought on recently watching a series of equity release adverts on TV.

One advert was proudly selling access to equity release mortgages for a fee of ‘only’ 1.95%. Whilst this doesn’t sound that high, it typically equates to around £1,395 – £1,495, which is, in fact, a relatively high charge.

As a Guildford mortgage brokerage that specialises in helping our clients to get an equity release mortgage, we believe that our fees are much fairer and transparent. For example, our flat fee structure means that we can help you apply for an equity release mortgage for only £699 – regardless of the complexity of the mortgage and value of the loan amount.

What’s more, our team of Guildford mortgage brokers now includes three equity release specialists. All three advisers have secured the highly coveted Certificate in Regulated Equity Release (CeRER) qualification, which ensures that Complete Mortgages can offer a wider selection of equity release mortgages to a wider section of the population.

It also means that we can help those who have traditionally taken out interest-only mortgages – and who are on an interest-only mortgage right now – to transition to an equity release deal without having to refer to a third party.

Whether you’re currently on an interest-only mortgage and thinking of switching over to equity release, or you’re simply considering your options and think that equity release could be a route you’d like to take, the first thing you need to do is contact a trusted – and qualified – mortgage brokerage.

Why not contact us to find out more on 01483 238280 or by emailing info@complete-mortgages.co.uk.

Complete Mortgages also specialises in other mortgages over and above equity release 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.

By Mark Lucas, Equity Release Adviser at Complete Mortgages


Complete Mortgages appointed as preferred brokers for prestigious Surrey development

Wednesday, 11th April, 2018

Guildford Mortgage brokerage, Complete Mortgages, has been appointed to handle mortgage applications and enquires for Shanly Homes’ Oak Meadows site – a new development in Woking’s West End area containing 84 properties ranging from £525,000 to £890,000.

The decision builds on the Guildford mortgage adviser’s successful partnership with Seymours, which is exclusively selling all 84 properties on behalf of Shanly Homes under its Land & New Homes division.

The development, which officially launches on 14 April, offers private parking to all 84 homes, spacious internal layouts, professionally designed kitchens and landscaped gardens.

A number of the units are available under the Help to Buy Scheme, a government initiative that makes new build properties accessible to all home buyers by providing a loan to increase the overall size of the borrower’s deposit.

As a Help to Buy mortgage specialist Complete Mortgages provide its clients with a comprehensive mortgage brokerage service, which means that it can manage all aspects of the Help to Buy mortgage application process – from the initial enquiry through to securing an offer from the lender.

Mark Finnegan, Director at Complete Mortgages, comments: “This is yet another positive step forward for the business and one that reflects our commitment to providing nothing but good service, as well as ensuring that our clients are able to achieve their desired goals when it comes to finding their next home. We’re proud to have been appointed as an approved mortgage broker at the Shanly Homes site and now look forward to helping our clients and those of Seymours find their next home.”

Nationally recognised for its high service levels and sustained growth, Complete Mortgages continues to win awards year after year at the Mortgage Intelligence Awards event. The awards programme is run by Mortgage Intelligence, a mortgage and insurance network and club that helps brokers achieve more by providing tailored solutions, support and training.

To attend the launch of Oak Meadows or for all mortgage enquiries relating to the development contact Seymours Land & New Homes in Horsley on 01483 355444.


Guildford mortgage broker scoops two national awards and grows firm by 39%

Friday, 24th March, 2017
mark finnegan

Guildford mortgage brokerage, Complete Mortgages, is banishing Brexit fears and quelling any talk of economic uncertainty after receiving two national awards and delivering 39% growth in the last 12 months.

The Railton Road-based firm collected the Top Mortgage Adviser and Top Network Adviser awards at this year’s Mortgage Intelligence Awards, which took place at Ascot Racecourse on Thursday 9 March, beating 400 advisers from around the UK to pole position.

It is the sixth consecutive year that Complete Mortgages has won a national award at the Mortgage Intelligence Annual Conference.

The double award win comes as the firm reveals that it secured mortgages for the Surrey community worth almost £140 million and expanded its team to 12 people – up from 3 people when it joined the Mortgage Intelligence Network in 2009.

On receiving the awards, Complete Mortgages’ founding director and Guildford resident, Mark Finnegan, comments: “The last twelve months have been hugely important for Complete Mortgages. We’ve grown faster than any other year in our eleven-year history and we’re continuing to draw some of the most experienced and talented brokers from across the UK, all of whom are attracted by our growing national reputation. We’re delighted to once again be recognised for delivering a first-class service and remain committed to making Guildford a southeast England hub of excellence when it comes to financial services and mortgage products.”

Kenton Cool, the world-renowned mountaineer responsible for leading Sir Ranulph Fiennes up Everest in 2008 and 2009, presented the awards to Mark at a ceremony that welcomed almost 350 people.

Dorset-based Mortgage Intelligence is a mortgage and insurance network and club, which aims to help brokers achieve more by providing tailored solutions, support and training. It has been supporting the mortgage and insurance brokerage industry for over 20 years.

On Complete Mortgages’ success, Sally Laker, Managing Director at Mortgage Intelligence, adds: “It’s no coincidence these awards are presented to Mark and his team during a period of rapid growth. Complete Mortgages’ professionalism, customer service and dedication to delivering high service standards is not only positive for the clients it serves, but also the mortgage brokerage industry as a whole. We’re delighted to have Complete Mortgages in our network and commend the firm on its excellent work.”

For more information visit www.complete-mortgages.co.uk or contact 01483 238280.

Ends

Image caption: Mark Finnegan collects the Top Adviser Award from UK mountaineer Kenton Cool at the 2017 Mortgage Intelligence Awards.

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Time to remortgage?

Friday, 27th May, 2016
apply for a mortgage

When is a deal not a deal? In mortgage terms it’s when you’re paying more for a home loan than you need to be – and there are quite a number of people who are guilty of it.

Not because they’re thoughtless or have money to burn, but because life is busy and all too often, accepting the shift onto a standard variable rate is sometimes easier than rolling up your shirtsleeves, getting into the ‘nitty-gritty’ of your agreement and getting the wheels in motion to change your mortgage (which, for many homeowners, is perceived as a mammoth job in itself).

Here’s the thing: you could me missing out on a cheaper mortgage deal. Many of you will be reading this and thinking, ‘that’s nonsense, my standard variable rate is 2.50% – could it even get any cheaper?’ If you are that person, then the answer is, ‘yes, it can’.

Not that long ago, it seemed as though interest rates were set to rise at the end of 2015. And then they didn’t. Now, there are predictions of an interest rate rise up to 1% at the end of 2017, rising to 2% at the end of 2018. The result of which is that there is now an abundance of ‘cheap mortgages’ available, some of which include five year fixed rate mortgages that cost less than what many people are currently paying for their standard variable rate mortgage.

As a Guildford mortgage broker with a reputation for providing good service, we let our existing customers know when they’re about to default to their pre-agreed standard variable rate. They then have the option of applying for a mortgage that’s cheaper and saves the money that they would have otherwise unknowingly spent without seeing any real gain.

Of course, those people who don’t have any safeguard or ‘alert system’ in place, either because they don’t have a broker or because their broker isn’t doing what it should, will never know what they are missing.

Which, of course, is why I’m writing this piece. As we enter that time of the year whereby mortgages typically ‘reset’, it’s important that homeowners are made aware of their options.

Similar to changing utility provider, changing mortgage is often much less work than you think – particularly if you have a reputable mortgage broker doing the work for you.

Regardless of whether you decide to use Complete Mortgages for your mortgage application or not, then just be aware that the market is currently very competitive. And, as is the case with everything, nothing lasts forever. So, if you’re aware that you’re about to enter the world of SVR mortgages – or even if you weren’t aware until reading this piece – then I would urge you to a) find out what your rate is and b) shop around and see what is currently out there.

Alternatively, contact the Complete Mortgages team to find out if we can save you money.

From remortgaging and first time buyer mortgages to commercial mortgages and bridging loans, we can help. Contact 01483 238280 or email info@complete-mortgages.co.uk.

By Mark Finnegan, Director at Guildford mortgage brokerage, Complete Mortgages