Testimonial Tuesday
Accord mortgages ( Yorkshire building society ) have today released a new innovative, A NEW £5k MORTGAGE 😮. You can borrow up to 99% of the purchase price of your new property, as long as that 1% is a minimum of £5k 🎉. During these tough times, so many people are finding it difficult to build up a deposit for their first home. So I believe this is a great opportunity for so many to get onto the property ladder 🏡. If anyone is interested in knowing more, please contact me 😍. ☎ - 02920 035 050 ✉ - jon@balchmortgages.co.uk
Introducing a new refer a friend scheme for Balch Mortgages. We have been receiving more and more referrals from friends and family recently and we just want to show the love back!! So we are introducing a £50 per referral fee but once the referral's case has completed. So if you know anyone that needs assistance, please direct them our way using the form. They will be looked after by an award winning mortgage broker and you can receive £50 from it too (win, win)!
So there has been a lot of confusion with mortgage brokers and estate agents recently and if an EWS1 form is actually required on a property with cladding. First of all, what is an EWS1 form? An ESW1 form is a certificate confirming the property has an external Wall System Fire Review certificate. So we just wanted to clear this up for future clients who're looking at buying an apartment in a multi-storey multi-occupied residential building (usually found down Cardiff Bay). The good news is that there are a handful of mortgage lenders who can accept the property without an EWS1 form and we have recently had a mortgage approved on one. You may find brokers and estate agents telling you different, if this is the case, please contact us as we we would love to help you.
Mortgage approved this morning, and this one means a lot to us... A close friend of ours recommended a new client as their bank rejected his mortgage application. This was due to the property type the client was buying. After speaking to the client and obtaining information regarding the chosen property, we were able to find a suitable lender who would accept this type of property. The recommended lender was also more competitive and the clients mortgage application was approved within 5 days! In our opinion, the adviser from the bank should not have submitted the application as he should have known that this type of property was not acceptable. Cases like these, are the reasons why we love doing what we do, and, it speaks volumes as to why using a mortgage broker can be more beneficial than going directly to a bank.
We are absolutely thrilled to have been nominated and win the best Mortgage and Protection advisory firm for Cardiff 2023 with SME News. Please get in touch if you require any help with your mortgage or protection advice.
We're delighted to announce some fantastic news!! Balch Mortgages will be working with Chapman Property Agents: www.chapman-property.com We have already started helping some of their lovely clients with their mortgage and protection needs and look forward to helping many more. Chapman Property Agents offer an incredible service for Sales, Lettings, management and investing. We're very excited to work with him and his team and look forward to building a long lasting partnership!
