Rob Hayward
Bond Estates have had
a professional relationship with Rob Hayward for over 10 years. Rob has been
dealing with mortgages for over 15 yrs in the capacity of a fully independent
mortgage broker, which will save the client spending their valuable time
researching the whole of the mortgage market, when looking for their new
mortgage deal.
How do you go about choosing which mortgage is
right for you?
Should you fix or
cap the rate, if so for how long? Or maybe go for a floating variable rate, but
will it have tie-ins to the lender or not? Seemingly straightforward choices
perhaps, but to get it right involves consideration of a wide number of factors
individual to you, along with the current interest rate climate and the risk of
what rates might or might not do over a 1 to 5 year period.
Then there's the
repayment structure - capital and interest repayment or interest only or
investment backed mortgages? But what about flexibility? You want to pay off
lump sums or make overpayments so should you go for an offsetting arrangement,
or a no penalty variable rate deal, but then what happens if interest rates go
up? Rob can work out whether the offset route works for you and the cashflow
you can expect, in comparison to more traditional mortgages which still let you
make regular overpayments or lump sum payments. He can ensure you are not
overpaying in buying flexibility on the mortgage and that the repayment
structure fits your budget.
Why use a broker?
Talk to Rob and
take the hassle out of shopping around and being asked all those same questions
again and again. Did you know 55-60% of the mortgage market per year is
introduced via brokers?