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Helping good people with bad credit get a mortgage

29 April 2015 Admin 0 Comments
There are a number of good people who struggle to get a mortgage. Many people assume they will be able to get a mortgage by the time they have been working for a few years and are ready to settle down in a house they own. At The Mortgage Hunter, we know this isn’t always the case. If you’re tired of paying rent every month without having something to show for it, then you have probably already made the decision to buy a home. Owning your home can be both exciting and nerve-wracking. Home ownership offers several benefits:
  • The satisfaction of being a home owner.
  • Enjoy tax deductions.
  • Say goodbye to your landlord issues.
  • Start building equity so that you can secure a more comfortable retirement.
  We’ve been helping people get mortgages for a number of years and we know exactly how easy it can be to face obstacles and challenges when trying to get a mortgage. If you’ve made the decision to buy a home, there are a few things that you need to ask yourself:
  • How long are you planning to live there?
  • Can you afford a monthly mortgage payment and does buying a property make financial sense?
  • Can you afford the house that meets your needs?
  • What does your credit score look like?

It’s important you know what your credit score looks like. If you have missed credit card repayments, utility bill repayments or any other repayments in the past, it could have a negative impact on your credit score and make it hard for you to get a mortgage. This is where The Mortgage Hunter comes in. If you have a bad credit score but desperately want a mortgage, then we can help you. Contact us for more information today.

 

When and why to get a private mortgage?

29 March 2015 Admin 0 Comments
A private mortgage makes sense for a lot of people who are looking for ways to buy a property. With a private mortgage, you are essentially borrowing the money from another person, institution or business instead of following the traditional route of borrowing money from a bank. This often poses a win-win situation, as the person you will be lending from will benefit from the added income generated from the interest. There are, however, a few things you should consider before embarking on a private mortgage agreement:
  • If you are borrowing from a private person that you know, this could change the dynamic of your relationship. While most people interested in a private mortgage do so with good intentions, life isn’t always predictable and it’s possible you might have problems repaying your mortgage in the future. How will this affect your relationship with the lender? If, for example, you are borrowing the money from a spouse or parent, you might impact their ability to repay their own debts, save for the future or pay their bills.
  • The lender will also have to assess the affordability of your mortgage, the value of the property and your ability to maintain the property you are purchasing.
Your best bet is to partner with experienced professionals such as the The Mortgage Hunter in order to set out a private mortgage agreement for you. This way, everyone’s responsibilities and expectations will be clear and in writing. If you need advice about private mortgage agreements, then we can help you. Contact us for more information today.

 

 

Top 10 reasons why to get a mortgage broker

28 February 2015 Admin 0 Comments
When it comes to financing your home, it pays to have the professional mortgage advice of mortgage brokers. The Mortgage Hunter has years of experience in the industry and we have helped many people get a mortgage which meets their needs. Here are the top 10 reasons to get a mortgage broker:
  1. They can negotiate the right mortgage at the right rate.
  2. Our team is fully trained to make the process and application as painless and as fast as possible.
  3. You will have one point of contact for all the various institutions involved in getting a mortgage (such as a bank, insurance company and credit union).
  4. As independent mortgage brokers, we can shop around through hundreds of different mortgage options to find a customized solution.
  5. We’re not middlemen and we have established relationships with trusted lenders across the country.
  6. You can gain access to exclusive rates and mortgage options that wouldn’t necessarily be available to you as an individual.
  7. Thanks to the high volume of mortgages that we do, we are able to negotiate lower rates for you.
  8. Our solution is highly affordable and cost effective (in the long run, you will be saving money by partnering with a mortgage broker).
  9. We work for you – not for the banks. As an ethical mortgage broker, we make sure your best interests are the forefront of all decisions that get made.
  10. We only do one thing – mortgages – and we do it exceedingly well.
When you partner with The Mortgage Hunter, we will make sure you get the best possible mortgage for your needs. Contact us for more information today.

 

 

 

 

 

 

 

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