Mortgage Advice Brokers – Billericay – Essex
Today we welcome local mortgage and insurance expert John Roberts of Flexible-Finance.COM . John met with me this week to discuss what his business can offer to you as a Local Expert.
So, John, how long has Flexible-Finance.COM been established in the Billericay area?
JR: We have only recently moved into this area about a year ago, although we were well established in Watford for 10 years prior to that.
LE: Have you always been in the Finance business then John?
JR: No, I started in 1999. Just as the regulations started to come in. This means that I have always given my clients advice in a regulated, professional way. I have only know it this way.
LE: With the recent changes in the Finance markets has it become very difficult to arrange a Mortgage for let’s say, a First Time Buyer?
JR: Well this can be difficult in some cases. If for example they have a small deposit, or low incomes. But, usually if they meet the usual lending criteria we can help them onto the property ladder. Often we hear in the Media that Lenders are failing First Time Buyers but we only find it a problem when they have too small a deposit, and maybe too many other financial commitments. The key is AFFORDABILITY with most lenders these days.
LE: Do you offer many different types of mortgage John?
JR: If you mean rate types then yes we offer Variable rates, Tracker rates, Fixed rates, Discounted rates, and in some cases Capped rates. But if you meant mortgage types we offer Residential mortgages, Buy to Let mortgages, Overseas mortgages, and Commercial mortgages.
LE: O.K. that sounds quite a lot there. Do you find most people understand the different rate types and what is different about them all?
JR: Like most things in life, some know nothing, some know everything, and some think they know everything! but it’s my job to make sure that after meeting with me they fully understand the differences and what they are arranging with me and why.
LE: Is it just Mortgages that you advise on or do you give other advice?
JR: We are a ‘Full Service’ brokers, we not only can arrange the best mortgage for our clients but we will also provide advice and recommendations for the best Insurance for them and their property too. We offer Household insurance, Life & Critical illness insurance, Mortgage Payment Protection insurance, Family Income Benefit insurance, and other personal types of cover too. Our full range of products and services can be found on our company website
LE: They must keep you busy their John! If anyone wants to get advice from you what is the best way to contact you?
JR: We have several telephone numbers that a client can call us on. My personal number is 07005938074 and I welcome calls on this, our website has an enquiry form that clients can use also and of course they can email me on john@flexible-finance.com
I look forward to helping anyone that contacts us for mortgage and insurance advice.
LE: Thanks for your time today John, I hope that you keep busy helping our local community with their mortgage and insurance needs.