Megan Kearney - Mortgage & Protection Adviser

𝟝* 𝕣𝕖𝕧𝕚𝕖𝕨 𝕒𝕘𝕒𝕚𝕟!

Lovely words, “the financial benefits and assistance outweigh the costs”.

Yes - I charge a fee but my clients endorse this!

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

𝕄𝕠𝕟𝕥𝕙𝕝𝕪 𝕋𝕖𝕤𝕥𝕤

100% pass at the end of the day, I’ll take that!

ℍ𝕖𝕝𝕝𝕠 𝕄𝕒𝕣𝕔𝕙 ℝ𝕖𝕟𝕖𝕨𝕒𝕝𝕤

Morning! No, I’m not mad, March is not here just yet but September is, and that means if your mortgage rate is due to expire in March - we should be speaking now.

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

🤣🙌🏻

𝕎𝕙𝕪 𝕕𝕠 𝕪𝕠𝕦 𝕟𝕖𝕖𝕕 𝕞𝕪 𝕔𝕣𝕖𝕕𝕚𝕥 𝕣𝕖𝕡𝕠𝕣𝕥?

If you have had payment issues in the past, I will always ask for a copy of your credit report. To be honest I ask for it always anyway but I HAVE to if I know there’s been issues.

This is why.

One credit card. All the same card and same provider BUT reported different to all credit reference agencies.

“I have an Experian report” - great but what if the best lender uses equifax?

This information could be the difference between getting a mortgage or not.

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

ℂ𝕝𝕚𝕖𝕟𝕥 𝕘𝕚𝕗𝕥𝕤 𝕒𝕣𝕖 𝕥𝕙𝕖 𝕓𝕖𝕤𝕥

I keep meaning to post this but a client sent this as they know I don’t drink alcohol anymore but do love a Nozeco!

What a lovely surprise gift to say thank you for my help in securing bridging finance for a building renovation. Can’t wait to see the property flipped and sold.

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

𝕄𝕠𝕣𝕥𝕘𝕒𝕘𝕖𝕤 & 𝔹𝕝𝕒𝕔𝕜 ℂ𝕠𝕗𝕗𝕖𝕖

It’s been a day of meetings, quarter reviews & monthly reviews today.

I may be self employed but it’s really good to have the support of Mortgage 1st ~ providing updates, training, support and of course JW. If you know, you know.

A good “check in” is always welcome.

It doesn’t always feel like you’re winning in this job, it’s not easy sometimes but I do enjoy it. It’s always good to remind yourself too of how far you’ve come.

In my case, a full circle in 18 months as JW reminded me!

Forever grateful for flexible working in a job I do love.

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

ℙ𝕒𝕪𝕞𝕖𝕟𝕥 𝕣𝕖𝕗𝕖𝕣𝕖𝕟𝕔𝕖𝕤

What’s the worst payment reference you have seen? I have seen so many over the years and whilst some may be funny, brokers and lenders can see them and they could question your authenticity.

Any questionable references should be considered again!

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

𝟝* 𝕣𝕖𝕧𝕚𝕖𝕨 𝕒𝕘𝕒𝕚𝕟 🫶🏻

I say it time and time again but it means so much when clients take the time to review my service.

Thank you

🤩

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

𝕄𝕠𝕟𝕥𝕙𝕝𝕪 𝕡𝕣𝕠𝕗𝕖𝕤𝕤𝕚𝕠𝕟𝕒𝕝 𝕕𝕖𝕧𝕖𝕝𝕠𝕡𝕞𝕖𝕟𝕥

This morning was monthly training & testing time, ticked off the list.

We like a 100%.

🤩

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

“ℍ𝕖𝕝𝕕 𝕞𝕪 𝕙𝕒𝕟𝕕”

That’s what I’m here for. I get a lot of these comments and it’s what I add. If you’re paying a broker you want to know what extra added benefit you get right?

🌟 5 star reviews;
🌟 Hand holding;
🌟 Questions answered but also important for me is that you don’t feel any question is a silly question;
🌟 Tailored service to your needs as each scenario is different;
🌟Finding the right Mortgage for YOU.

There is literally no “on size fits all” in the mortgage world.

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

𝕆𝕗𝕗𝕖𝕣 𝕒𝕡𝕡𝕣𝕠𝕧𝕖𝕕

Mortgage submitted Tuesday evening, approved this morning.

I don’t normally work Fridays but just catching up on some admin & emails whilst grabbing a coffee from 23 Coffee of course.

𝕋𝕠 𝕜𝕖𝕖𝕡 𝕥𝕙𝕖𝕞 𝕙𝕒𝕡𝕡𝕪 & 𝕙𝕠𝕞𝕖𝕕 𝕨𝕙𝕖𝕣𝕖 𝕥𝕙𝕖𝕪 𝕝𝕠𝕧𝕖 𝕥𝕙𝕒𝕥 𝕞𝕖𝕒𝕟𝕤 𝕤𝕠 𝕞𝕦𝕔𝕙…

Quote from my customer.

When your landlord says he’s going to sell… what do we do? We find a way to buy it!

Complex case details:
⬇️ Adverse credit details - multiple CCJs & Defaults
💷 Benefits & maintenance income for Mrs
🟰Variable salary income for Mr
👶🏻 Large family with multiple dependents
🏡 No deposit

This case has been an incredibly challenging one and it’s taken me a while to reflect on what we achieved and what it means to this family. Having eight children as a blended family, their home was important to them as anything smaller would not suffice.

We managed to raise a family gifted deposit, and despite issues with HMRC being incompetent we got there!

OFFER APPROVED.

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

📸 Photo Credit Cohan and his colouring of “pick a stew!” For something totally unrelated.

𝕃𝕖𝕥’𝕤 𝕞𝕠𝕧𝕖 𝕗𝕣𝕠𝕞 𝕪𝕠𝕦𝕣 𝕔𝕦𝕣𝕣𝕖𝕟𝕥 𝕝𝕖𝕟𝕕𝕖𝕣!

I won’t always move you from your current lender but when your credit profile is slowly improving we can move you to better lenders along the way and it’s worth it.

For this client ~ in two years time their credit report will then be clear and we can get to high street lending and top rates.

Advising isn’t just thinking about now, it’s also future planning to help be in the best position.

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

🌟 🌟🌟🌟🌟

Two lovely reviews from last week. Luckily I’ve got a super team behind me because I forget to ask for reviews so when they are sent to me it’s a lovely surprise!

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

𝕍𝕚𝕥𝕒𝕝𝕚𝕥𝕪 ℍ𝕖𝕒𝕝𝕥𝕙𝕔𝕙𝕖𝕔𝕜

Two weeks to go! I recently reviewed all of our insurances as it had been a few years. Yes that’s right, I review my own too to ensure it’s current, best and relevant.

Vitality have some huge benefits but I’m slightly nervous about this one. However, it’ll be good to know the outcomes.

Excited to experience what my clients can have too.

📞 07971678584
📧 [email protected]

As with all insurance policies, conditions and exclusions will apply.

𝔻𝕖𝕓𝕥 ℂ𝕠𝕟𝕤𝕠𝕝𝕚𝕕𝕒𝕥𝕚𝕠𝕟

You might think it’s as easy as “let’s just add it to the mortgage” when the reality is sometimes that isn’t so easy (and also isn’t always the best advice).

Lenders are getting tougher on this and I’ve spent a lot of time trying to place a case lately so thought I’d share more recent findings as to why it’s not so easy (as some of it has changed since I last did this level for a client):

% - what percentage of your balances are you using. If you’re using the majority of your available balance this can significantly impact your score. One lender told me above 85% of use and they’ll decline. This means £8,600 balance on a £10k card will mean a decline.

🏡 Loan to value of your house - lots of lenders will stick to 75% maximum at the moment.

💷 How much you want to add - some lenders will only do certain amounts. £15k is one lender limit.

💼 Level of debt compared to salaries. If you’re on £20,000 a year and have £70,000 of debt that’s viewed differently to someone with a salary of £70,000.

🗒️ Affordability - some lenders will still factor all the debts in to affordability, some will factor in a third, some will trust they’ll be gone.

Securing unsecured debts on your home isn’t always the answer and I’d seek professional advice before doing so, but also don’t assume lenders will happily do it for you.

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

𝔸𝕟𝕠𝕥𝕙𝕖𝕣 𝟝* 𝕣𝕖𝕧𝕚𝕖𝕨

Tailored service. Love that phrase. My service will differ depending on your situation, scenario and also your understanding/experience.

There is no “one size fits all” as far as mortgages go.

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

𝕆𝕟𝕔𝕖 𝕪𝕠𝕦𝕣 𝕒𝕡𝕡𝕝𝕚𝕔𝕒𝕥𝕚𝕠𝕟 𝕙𝕒𝕤 𝕓𝕖𝕖𝕟 𝕤𝕦𝕓𝕞𝕚𝕥𝕥𝕖𝕕…

It’s important that you don’t make any material changes that could impact your mortgage being accepted.

These include (but aren’t limited to):
💷 Change in credit commitments ~ these could impact your affordability.
✔️ Make sure you have no returned direct debits.
👩🏼‍💼 Job changes,

Lenders can always request further documents and do a new credit check before you complete on the funds.

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

𝕊𝕡𝕖𝕔𝕚𝕒𝕝𝕚𝕤𝕥 𝟙𝕤𝕥 𝔸𝕟𝕟𝕦𝕒𝕝 ℂ𝕠𝕟𝕗𝕖𝕣𝕖𝕟𝕔𝕖

Yesterday I had the pleasure of attending the Specialist 1st annual conference, and the first one.

I managed to learn a lot more ~ especially about second charge lending, and really, there is a lender out there for most scenarios (subject to criteria still of course and affordability). The rate may not be the prettiest but anything is worth a try!

It was great to meet up with colleagues and have a catch up too.

Excited to share more on this over the next few weeks.

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

ℂ𝕒𝕝𝕡𝕠𝕝, 𝕔𝕒𝕗𝕗𝕖𝕚𝕟𝕖 & 𝕔𝕠𝕞𝕡𝕦𝕥𝕖𝕣𝕤

Some training today, sponsored by 23 Coffee and all whilst entertaining a poorly child who kept making an appearance as SpiderMan.

Forever grateful for being able to stress a little less when you see that dreaded phone call coming in “Boys School”.

Being able to give them the extra cuddles and calpol when they need it is why I chose to work for myself back in 2016.

It’s why I work in the middle of the night when my insomnia kicks in. Just ignore when emails say 1am, 2am, 3am, 4am or 5am. I’ve either got up earlier, or just having a few hours clearing the decks whilst my brains in overdrive.

Flexible working at its finest!

💁🏼‍♀️

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

𝕊𝕦𝕟𝕕𝕒𝕪 𝕤𝕥𝕦𝕕𝕪 𝕤𝕖𝕤𝕤𝕚𝕠𝕟𝕤

Another 💯 done.

It’s important I keep up with these monthly tests as procedures change regularly.

💁🏼‍♀️

“𝕐𝕠𝕦 𝕒𝕣𝕖 𝕨𝕠𝕣𝕥𝕙 𝕪𝕠𝕦𝕣 𝕨𝕖𝕚𝕘𝕙𝕥 𝕚𝕟 𝕘𝕠𝕝𝕕 𝕩𝕩”

You know what, when I get a knock back… I go again.

This case has been SO difficult to place with quite a few variables BUT, decision in principle approved!!

🙌🏻🙌🏻

I am taking this celebration, after speaking to so many lenders, and some I’ve never worked with but I start with the best rate option and keep going. And going. And going.

We got there!

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

“𝕀 𝕥𝕙𝕚𝕟𝕜….” 𝕍’𝕤 “𝕀 𝕜𝕟𝕠𝕨…”

This morning I had a call with a client who found me on here (yay to social media) but I made the call black and white.

I love what people call small talk and I love finding history out about clients BUT… what I can’t work with is “let’s just say it’s been a year”.

If we use incorrect, false information, not only won’t you get a mortgage, you’ll be marked as fraud and I could lose my licence to advise.

I need:

📍Facts ~ truthful information with evidence to support;

📖 Figures ~ “I earn maybe …” could be the difference between affordability passing or failing, hence why I scrutinise payslips and accounts;

📌 Real information ~ tell me as it is. I can’t work with wrong information, and if I do, then I’m wasting both my time and yours.

If you don’t tell me the truth, I can’t help.

If you tell me it all, I can help find the best solution where there is. I’d rather know it allllllll and then use the information I need, with evidence to support.

Clear, conscience, evidenced information.

My job and income are on the line so I won’t work any other way & I’m not sorry about that.

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

𝔻𝕠𝕖𝕤 𝕪𝕠𝕦𝕣 𝕣𝕒𝕥𝕖 𝕖𝕟𝕕 𝕚𝕟 𝔻𝕖𝕔𝕖𝕞𝕓𝕖𝕣?

If so then we should be speaking soon.

Don’t leave it months hoping/planning for rates to go down. Clients of mine complete in July but we did their mortgage a few months ago. We checked rates again yesterday and they’re higher than February. Securing something now means you can still review it nearer the time but you’ve got that rate secure.

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

𝔸𝕘𝕣𝕖𝕖𝕞𝕖𝕟𝕥 𝕚𝕟 ℙ𝕣𝕚𝕟𝕔𝕚𝕡𝕝𝕖

The wheel of fear. As a broker, you’ve done the research, you’ve done affordability calculators, you’ve checked credit files.

Yet the nerves still kick in ~ I feel your nerves.

22.04pm: decision in principal approved!

Clients are looking to get on the move.

“ℝ𝕒𝕥𝕖𝕤 𝕒𝕣𝕖 𝕔𝕠𝕞𝕚𝕟𝕘 𝕕𝕠𝕨𝕟 𝕒𝕣𝕖𝕟’𝕥 𝕥𝕙𝕖𝕪?”

I’ve had lots of emails this week as we know the media like to make a news story. SOME rates have come down slightly, but not all of them.

I’m always happy to review any arrangements and not all lenders are suitable for every client too.

If your rate is up for renewal then get in touch.

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

𝕀’𝕞 𝕒 𝟙𝟠𝟘•𝕔 𝕜𝕚𝕟𝕕𝕒 𝕘𝕚𝕣𝕝…

What are you? I feel 200•c is a bit extreme, 180 for the win!

𝕎𝕙𝕪 𝕒𝕣𝕖 𝕪𝕠𝕦 𝕤𝕡𝕖𝕒𝕜𝕚𝕟𝕘 𝕥𝕠 𝕞𝕖?

Not a question I ask clients very often, but if someone says they’ve spoken to someone else, I ask, why now me?

“You’ve come recommended” - very common, my clients rock at recommending me.

That’s awesome. I still like to understand WHY someone is still looking for another broker after speaking to one.

We then end up chatting and I spill my expertise like an overflowing effervescent glass of fizz. My professional expertise, but also personal. You get me. You get what I’d like someone to tell me.

The ins and outs, and WHY. Why we do something a certain way.

Sure, I can take your order. Anyone can. However I’m here to make it personal to YOU. What is good for client a, won’t be for client b.

If you’re looking for an order taker, anyone can do that, however, not all can really add that extra info that helps.

This week, I came away thinking - THAT is why they were still looking. They needed advice that they understood.

If you need advice and not an order taker, I’m here.

📞 07971678584
📧 [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE

𝔽𝕠𝕣𝕘𝕚𝕧𝕖 𝕞𝕖 𝕚𝕗 𝕀’𝕞 𝕒 𝕥𝕠𝕦𝕔𝕙 𝕖𝕞𝕠𝕥𝕚𝕠𝕟𝕒𝕝!

I had ZERO idea that Mortgage 1st had been doing some secret anonymous surveys and clients were welcomed to add comments.

BLOWN away!!!

If any of you wrote any of these comments - THANK YOU!!

I absolutely love what I do and this has just made my eyes leak.

Incredible comments.

My clients ROCK!! You’re the best.

😍