THE E4M BLOG

mortgage advice edinburgh
18 JAN '19
MORTGAGE ADVICE IN EDINBURGH AND LOTHIANS IS OUR COMMITMENTBY DANIEL MCLARDY

As a member company of the Stonebridge Group we are proud to be part of something bigger – a network of over 450 mortgage advisors throughout the UK. This means that we carry significance with lenders, who give us access to competitive deals, some of which are exclusive to our network. This can give the impression that we are a large and impersonal company, but I’d like express that we are very much a local mortgage advice service for Edinburgh and Lothians

THE MAJORITY OF OUR CLIENTS ARE FROM EDINBURGH AND SURROUNDING AREA
We are authorised to arrange mortgages for clients throughout the UK, and we are not unaccustomed to providing our mortgage advice service at distance from clients. However, the larger majority of our customers are from Edinburgh and surrounding area, and we very much like this state-of-affairs

BEING LOCAL CAN CONTRIBUTE TO A BETTER CLIENT-ADVISOR RELATIONSHIP
The advantage of focusing our mortgage advice within Edinburgh is being able to meet in person and gain the essential mutual trust that allows us to be an effective advisor, and you an effective client and mortgage applicant. Whether we meet you for the initial consultation, or further down the line on completing mandatory ID checks, the vast majority of our Edinburgh clients will come to our George Street office and “see the whites of our eyes”. We have learnt that the value of this cannot be underestimated, and the more personal the service, the more effective and efficient it is likely to be

“BUT A COMPANY THAT GIVES FREE MORTGAGE ADVICE CAN’T GIVE A PERSONAL SERVICE!”
I understand why it might be easy to think this, but again I would like to address this misconception. Firstly, we take the view that we do not provide “free mortgage advice”. In our opinion, this can give the impression that we are not paid for arranging a mortgage, when in actual fact we are – by the lender. We receive a percentage of the loan amount, typically between 0.25 and 0.35%, depending on the lender. Correct, we do not charge a broker fee to our clients, but ultimately we do get paid fairly to give a reputable mortgage advice service to Edinburgh. This doesn’t require us to be impersonal or “volume led” to operate a viable business, giving personal mortgage advice with a local Edinburgh focus

TO CONCLUDE, WE ARE TRULY YOUR EDINBURGH MORTGAGE ADVICE SERVICE
Our mortgage advice service is very much for Edinburgh and Lothians residents, and I hope that I’ve done a good job of making our commitment clear. We don’t mean any irreverence to anyone further afield who may be interested in our service, and we invite you to freely contact us should you be interested in our mortgage advice service. Any interest in our company is a privilege we appreciate with humility, but we cannot deny that we consider ourselves a part of the Edinburgh community

WE FEATURE BLOG POSTS TO ENRICH THE CONTENT AND INTEREST IN OUR WEBSITE. THE ABOVE, AND POSTS LIKE IT, DO NOT CONSTITUTE ADVICE, AND THE ACCURACY OF ANY INFORMATION WITHIN IS NOT GUARANTEED

We do not charge a fee for arranging a mortgage, but may receive commission from the lender. Experts 4 Mortgages is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. Proprietor: Daniel McLardy

 

YOUR HOME MAY BE REPOSSESED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

 

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