I have almost 20 years experience as a Mortgage Advisor in Leeds therefore there is never usually a situation I haven't witnessed before. It is my job to stay up to date on lending criteria from a very large number of mortgage lenders to be able to know which one to go to depending on my clients individual needs and personal situation. For some clients, it is not about getting the best rate 'advertised' mortgage rate but much more complex by being mortgage criteria driven.
Something that was strengthened in April 2014 by the introduction of the Mortgage Market Review rule changes. After our initial consultation, it is my job to have the experience and knowledge to know which mortgage lender to go to and I aim to be right first time!
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