Services
Where are you starting from? Eight starting points, one adviser all the way.
Every deal starts from a different place. Pick yours and see how I work it, from the first conversation until the loan is paid out.
First home
A first home, with a clear budget before you sign
Buying your first home? We set a budget and a repayment that fits, and check the financing before you commit.
Who it's for
- You're buying your first home and want to know your budget before you commit
- You're still looking, or you've found a place but haven't signed yet
- You want to understand the mortgage tracks before choosing a mix
What we'll work on together
- We set a budget and a monthly repayment that fit what you can afford
- We check the financing options and approval in principle before you sign
- We compare mixes on total cost, what-if scenarios and flexibility
After a refusal
After a refusal: first, find out why
The bank said no? We don't apply again until we understand why.
Who it's for
- Your mortgage application was refused and you're not sure why
- Your credit record isn't perfect
- You're thinking of applying again and want to do it differently
What we'll work on together
- We diagnose the refusal: credit data, repayment ratio, income, commitments, documents and the structure of the deal
- We fix what can be fixed: how the figures and documents are presented, the timing, the equity and the financing structure
- We apply again only when it makes sense, fitted to the right route and lender
Loan consolidation
Loan consolidation, once you see the whole picture
Repayments weighing on you? We check whether consolidating your debts suits you, and what it costs over time.
Who it's for
- Your monthly repayments are weighing on you
- You have several loans and want to know whether combining them makes sense
- You want to know what a lower payment really costs over time
What we'll work on together
- We look at all your commitments, repayments and cash flow
- We weigh the monthly payment against the total cost and the term
- We check whether consolidating suits you, and what it costs over time
Refinancing
Refinancing, compared on the total cost
Already have a mortgage? We compare your terms with the alternatives on total cost, fees and the monthly payment.
Who it's for
- You have a mortgage and want to check whether its terms still suit you
- Your income or outgoings have changed since you took it out
- You're thinking of lowering the monthly payment and want to know what it costs
What we'll work on together
- We compare your current loan with the alternatives on total cost, fees, penalties and term
- We don't assume a lower payment is the better deal
- We look at what-if scenarios and how flexible early repayment is
Moving up
Moving up: two deals, one financing plan
Buying and selling at once? We plan the financing and the timing between the two deals.
Who it's for
- You're selling one home and buying another
- You need the sale and the purchase to line up
- You want to know your budget before you sign for the new place
What we'll work on together
- We plan the financing and the timing between the two deals
- We compare scenarios: what you can repay, the total cost and how sensitive each one is to change
- We go through the terms, the documents and the timetable together before you sign
Self-employed
Self-employed: a file that shows your business clearly
Running your own business? We prepare a file that shows your income and your business clearly.
Who it's for
- You run your own business and are planning a mortgage, for any kind of deal
- Your income changes from month to month
- You're not sure which documents will show your income clearly
What we'll work on together
- We prepare a file that shows your income and your business clearly
- We gather only the documents your deal actually needs
- We choose tracks on income, stability and cash flow
Investors
For investors: financing as part of the investment
Considering a property to invest in? We look at the financing, the cash flow and the risks as part of the investment.
Who it's for
- You're considering buying a property to invest in
- You want to test the cash flow before you commit
- You want to understand the risks in the financing
What we'll work on together
- We look at the financing, the cash flow and the risks as part of the investment
- We compare scenarios and test how sensitive they are to rate and index changes
- We choose tracks on income, stability, cash flow and how much risk you can carry
Any-purpose financing
Any-purpose financing: check before the home is pledged
Need financing against a property? We check whether it makes sense, the risk and the alternatives before the home is pledged.
Who it's for
- You need financing and you own a property
- You're thinking of pledging your home and want to understand the risk
- You want to compare the alternatives before you decide
What we'll work on together
- We check whether it makes sense, the risk and the alternatives before the home is pledged
- We compare scenarios: what you can repay, the total cost and how sensitive each one is to change
- We go through the terms, the documents and the timetable together
After a refusal: three steps
Diagnose the refusal
Credit data, repayment ratio, income, commitments, documents and the structure of the deal; never a general answer.
Fix what can be fixed
How the figures and documents are presented, the timing, the equity and the financing structure.
Apply again only when it makes sense
An application fitted to the right route and lender, not the same file sent again.
Approval depends on the lender's review. The aim is a more accurate, more responsible file.
Questions worth asking before you decide
All the questions01Which kinds of mortgage do you handle?
First homes, moving up, investors, refinancing, loan consolidation, files after a refusal, the self-employed and any-purpose financing. Every deal starts from what you can afford and what you want.
02What does your help cost?
The fee depends on the type of deal and how complex the file is. I set out the process and the cost in advance at the introductory call, so there are no surprises.
03Why a private adviser and not just the bank?
The bank offers its own products. A private adviser looks at your situation, compares the options and runs the process with the lenders on your behalf.
Not sure where to start? That's exactly what the first call is for.
Start with your questions and goals
