Wilson F. da Silva

Two very popular questions I get asked.
And there is no easy straightforward answer when it comes to borrowing.

There are many considerations and factors which is why speaking to a broker will help you get the answers and clarify you based on your personal circumstances.

Some lenders will look at 4 or 5 (sometimes more) times your salary. However, we tend to look at your affordability in the first instance because your outgoings, loans, credit cards etc all influence what a lender will consider lending.

So, if you are looking to get your first mortgage, now is not the time to lease a new car, buy a new sofa or that Thermomix in instalments because it will throw your affordability off!

However, if you have any finance already in place, come and speak to me and we will still find out how much you can borrow and whether you can achieve the property you want.

1️⃣ Determine Your Budget and Save: Set a budget and calculate how much you can comfortably borrow. Save for a deposit (5-20% of the property's value) to secure a mortgage.

2️⃣ Explore Mortgage Options: Understand fixed-rate and variable-rate mortgages. Research lenders to find the best terms, interest rates, and repayment options for your dream home.

3️⃣ Get Pre-Approved: Obtain a mortgage agreement in principle (AIP) before you start your search. It shows sellers you're a serious buyer and helps you understand your borrowing capacity.

4️⃣ Secure Your Mortgage: Complete the formal application process, submit necessary documents, and work with your lender. Once approved, you'll receive a mortgage offer with loan details and terms.

🔑 Take the first step toward homeownership with confidence! Speak to me for expert guidance tailored to your needs. Your dream home is within reach! 🌟

We are always looking to save some money here, carry out some DIY there to save or even build DIY holiday packages in order to save money. It is not different with a house purchase, we all want to make the best of our money.

Using a mortgage broker can save you not only money and time, but it can also ensure that you have been presented with all options available to you and give you the peace of mind that your home purchase is being properly done. A mortgage broker can in fact off set his fees by finding you the best deal and helping you in every step of your home buying process using their experience of many purchases already completed.

Yes, because the greatest credit commitment of your lifetime deserves to be properly done. Get in touch for an appointment today.

Are you a first-time homebuyer, ready to embark on an exciting journey towards finding your dream home? Don't worry if you feel overwhelmed by the process – I am here to guide you every step of the way and empower you with knowledge!

At Goal Finance we understand that purchasing a home is a significant milestone, and we're committed to ensuring you have all the information you need to make informed decisions. I am dedicated to sharing my extensive knowledge of the market, mortgage options, legal procedures, and more!

I believe that education is the key to a successful home-buying journey. That's why I offer personalized consultations and resources to equip you with the tools necessary to navigate the home buying process with confidence.

With our assistance, you'll be empowered to negotiate offers, understand contracts, and navigate the legal and documentation processes seamlessly. We'll be there to answer your questions and address any concerns that arise along the way, ensuring a smooth and stress-free experience.

Don't let the challenges of purchasing your first home hold you back – embrace this exciting chapter of your life! Let me provide you with the knowledge and expertise needed to turn your dreams of homeownership into a reality. Together, we'll find the way to the home that you'll cherish for years to come.

Reach out today to schedule a consultation and begin your journey towards finding your dream home. I can't wait to be a part of your success story!

A good adviser will not only deal with your mortgage but will also assist you on your purchase and the relevant protection that such commitment requires, in case something happens along the way.

The aim is to ensure that your wealth and wellbeing is protected against any eventuality and that your family will be able to benefit from your efforts and the resources you have invested in a property. Because our families deserve our best attention.

If you're buying your property, don't do it without a good mortgage adviser. He can find a deal that best suits your circumstances and also ensure your assets are protected.
Do you want to know more? Get in touch, details in bio.

It's actually what's on your credit report that matters!

The idea that getting accepted for credit is all based on a simple score given to you by one of the credit reference agencies is false. At best, it's a guide to roughly how good or bad a risk you are. Lenders will judge you on three main criteria when you apply:

1️⃣ Your application details, for example, your salary.
2️⃣ Any past dealings you have had, for example, old accounts.
3️⃣ The info contained in your credit reference reports.

Yet the first two aren't factored in to your credit score – so it's based on incomplete information. Plus, different lenders are looking for different things. When you apply, they assess you based on their own 'ideal customer' scorecard – and each lender is different.

Rather than thinking "I have a great credit score, so I'll get any credit I apply for", it's actually best to check how you stand with different lenders before you apply.
Do not blindly apply for a mortgage. Come and see me today and I will guide you to the most appropriated lender that will accept your business with the best conditionout there! Details in the bio.

In the UK there's no such thing as a definitive credit rating or score - no single number dictates whether a lender will accept you. Instead, each lender scores you based on its own wish list of what makes a profitable customer and usually profitability correlates to risk.

A perfect credit history DOESN'T mean acceptance as you also need to be able to afford to repay. Someone who's got a good history still won't get a loan if they fail the affordability score. These use your income from the application form (it isn't on credit files), your available credit, and either actual or assumed outgoings to assess you.

A broker can assess your circumstances against a great number of lenders and thus filter the ones more likely to accept you conditions based on criteria. Then filter lenders based on affordability, i.e., how much they are willing to lend you. Last, we will help you decide on a product that best matches your plans with the best possible conditions.

We do all this leg work, so your application is assertive and it does not hurt your credit file by shopping around. Yes, because almost every credit application goes on your credit file. The system is effectively anti-shopping around, as get rejected and you'll need to apply elsewhere and too many applications, especially close together, is negative.

Come to see me today. Let's go straight to the lender who will make your purchase happen! Details in the bio.

🤔 You may never realize that you often sabotage your ability to save money for your home deposit just because you don't have awareness of your financial status and how you behave in relation to money.

🎯 Becoming aware of your financial circumstances is the first step to put you on the right path to your home ownership!

💰 Be aware of your finances and where you may be struggling to manage, so you can start drawing up plans and strategies and ensure that your goal is achieved.

Does it make sense? What do you need to work on today, so that your Goal can be reached tomorrow?

Which one are you? Take your home ownership dream, bring it closer.

Is it worth pursuing? Is it feasible? Does it contribute to a better living?

If you have answered yes to all these questions, it is time to act upon it. Come and see me and I will help you refine your plans and start working towards it!

Do you know who is the first person you should talk to when planning to buy a property?

Most people go straight to an estate agent, and yes, he/she will definitely help you find a house. Others will start a search on line and yes, this is a good way to find out prices in the desired area but it is not the first step.

If you don’t how much you can borrow and whether lenders will accept your circumstances this could delay your process and lead to frustration for everyone involved. To avoid disappointments, first contact a mortgage broker to help you with this important first step.

Do you want to find out how much you can borrow? Get in touch today and I will help you with that. Contact details in the bio.

This is a question that I am often asked, especially when we are living in times of changes in interest rates, speculation about house prices and so forth.

We are living in a different economy of 6 to 12 months ago. We had an abrupt increase in interest rates recently and this is now being slightly corrected by lenders, but there is no expectation that we will go back to the times of ultra-low interest rates we had recently, at least not so soon.

As for the house prices, there is a lot of speculation that they will fall, but it is only speculations, no one is able to give firm answers as if it will happen. Moreover, this has different impact in different areas of the country, so a fall can be greater in certain areas and just marginally in others.

A friend of mine once told me: “Wilson, if you have a chance to grab the keys for a property, go for it.” I have long thought about the advice and since becoming a mortgage Adviser I noticed that many people keep on waiting for prices to fall, interest to fall, waiting for better circumstances in order to purchase their dream home, waiting for when they gather a bigger deposit so they can purchase their ideal home.

The truth is, you have to start somewhere. Perhaps it won’t be your ideal home yet, perhaps it won’t be your dream home, but it will be your first step towards it.
So coming back to the question: The right time to buy a home is when you gather all the conditions to do so. If you are ready, this is your time.

As a Mortgage Broker, I’ve seen a lot of cases where First-Time buyers thought they could do it all by themselves and ended up overwhelmed, stressed & exhausted! Then when they’ve finally given in and contacted me they were already highly stressed!
⠀⠀⠀⠀⠀⠀⠀⠀⠀
Securing a Mortgage is by far one of the biggest financial commitments you’ll ever make so doing it alone IE going direct or using a free National Broker doesn’t often give you a positive experience, just read the Google reviews.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
Saving some money 💵 is always a good idea, but you have to weight up the benefits of having a straightforward Home Buying experience and decide if it’s worth it. Moreover, the broker will often off set their fee by finding you a deal that you could potentially have missed if you go to a single high street bank. Keeping track of interest rates when they are changing all the time has been valuable to my clients and I have a case where there was 3x rates drop since offer, which I applied to every occasion and got the client a reduction on their original offered rate! Isn’t that cool?

My clients all say how much they learn from me following a meeting, I literally go above and beyond.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
If you’re looking to get onto the property ladder in the next 6-12 months,
have no fear for I am here to help 😉.

Isn’t it?

I am here to help 😉.

I know it can be daunting to understand this changes so let's talk it through and navigate your options here. Please don't ever feel like there's not a solution.
Do you have a few questions about mortgages? I'd be surprised if you didn't, they can be confusing and there's lots of misleading information floating about.

I would love answering your questions and I don't believe in complicated jargon, so get in touch and we can arrange a no-cost, no-obligation, friendly chat!

This is one of the reasons I became an adviser. The mortgage advisers I had when I purchase properties in the UK were more concerned about themselves and their business rather about me, their client. They never took the time to walk me through my needs, some of which I wasn't even aware of, and to talk to me about products and services available to address such needs and to protect myself, my home and my family.

Fortunately, nothing bad has happened. But this could've been very different.

What if I had an accident and couldn't perform my duties at work?

What if I had been diagnosed with a critical illness and had to take time off to look after myself?

What if I had passed away, how my family would cope with the financial difficulties this would bring upon them?

This is why I offer a comprehensive, holistic advice, that would ensure your property and your family is looked after, even in the unfortunate situation that you happen not to be here. With a view into the possible changes in the future, my aim is to shield your wealth and your family to the best I can.

That is something I wish I had. This is something I will always ensure YOU HAVE.

Sometimes we look at credit cards just a an extra monthly expense, or perhaps a permission to spend more. A credit card is no more than another PAYMENT METHOD, like cash, debit card, paypal, etc... However, a credit card properly used can be a strong tool to offer you free protection against issues with the item you purchased.

Under Section 75 if buy something costing more than £100 and less than £30,000 on your credit card, your card company has a LEGAL responsibility to come to the rescue if there's a problem.

So a credit card is not an excuse for you to overspend, but a tool to protect you if anything goes wrong with your purchase. If you want to know more, search for Section 75 and you will be presented with more information.

I have used Section 75 before and it works. However please note that this is for information only and does not constitute any financial advice.

When preparing yourself for a home purchase it is best if you do not apply for or have loans in place, including debt on credit cards. This will be addressed by the lender as a credit commitment and they will have to take it into account as a monthly payments and possibly reduce the amount they are able to lend you.

Planning to buy a home and don´t know where to start? Come and speak to me today, I can help you get ready and on your way into homeownership. Details in the bio.

We also need to analyse how you spend you money and what adjustments could be made if needed to give you more disposable income!

It can be quite surprising when you write it all down!

A lot of clients get left with more than what they think they would! 🤔

The way forward is uncovering this so you can make changes if you need to!

And don't worry if you're a first time buyer, don't know exactly how to budget and have no - I will guide you through every step and will help you !!!

Speak to me today 📲, details in the bio.

There are many reasons that may make you want to remortgage.

For example, 1️⃣ if your home rises considerably in value, 2️⃣if you want and can to pay off more than your lender allows you to, and 3️⃣ if your current deal is coming to an end.

In addition, there are several other times when this possibility should be considered, such as when you make improvements to the property or when you want to find a better deal.

In any case if you are considering remortgage, it is important to seek help from an experienced mortgage adviser.

Come today and speak to me. Get in touch to book an appointment! Details in the bio.

Regulatory Statement (no lugar de legal text)

Your home is at risk if you do not keep up payments for your mortgage or any other loan secured against it.Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority.Goal Finance Ltd is an appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority Number 460421.Registered office 165-167 High Street, Rayleigh, Essex, SS6 7QA.

The festive time has passed and I hope you had a special time with your loved ones. So many conversations, so many projects, so many dreams... and among those conversations I'm sure the desire to have your own property in the UK was also mentioned.

The new year brings us a new opportunity. The opportunity to turn the page, to start over, to put to work all those projects you may have put off for later all year long.

If buying a property is in your plans, get to work now. Look at your costs, review your expenses and start saving for your deposit right away. Get to know your credit history and fix what needs to be fixed. Come and speak to me, I'll give you direction so when the time comes you'll be Mortgage Ready.

Success is not in the arrival, it is in the path. You can already consider yourself successful from the moment you take your first steps, start the jorney to become Mortgage Ready and save your first amount for that deposit.

Yes, because Success is the progressive realization of a worthy ideal!
Happy New Year!

This is the time of year when we slow down, take time to be with family and to reflect on what we have done in the year that ends. We look at our goals, celebrate the achievements and make decisions about what to adjust so that the following year we achieve what was not possible in the year that ends.

If you, like so many other Brazilians and foreigners in this country, decided to establish your roots here, build a future or grow a family in this country, you may at some point consider buying your property and settling here. I would like to tell you that I have also made that choice one day, to raise my children in this country, to have my property here, and I want to tell you that it is entirely possible to accomplish this.

My sincere wishes are that you have a Christmas full of Peace and Joy, and that it may also be a time to plan, restructure and re-establish your goals for the coming Year. And if, like me, you also have plans to own your property in the UK, I'll be here to help you every step of the way.

Merry Christmas! 🎄

You can apply for a mortgage after you’ve made an offer on a house.

However, well before that you should have checked with a broker and assessed your circumstances, and your first step is to get a Decision in Principle.

It’s worth knowing that many estate agents will insist on seeing evidence of your ability to get a mortgage as an assurance before they'll put your offer to the seller, so it's worth making sure you have your Decison in Principle in place.

It's also important to plan ahead to get your mortgage advice ready for when your offer on the house is accepted, so the full mortgage application can be swiftly submitted to the lender.

The stress of home purchasing can really be diminished when you count on the help of someone who did it many times already. Speak to me today and find out how I can help you achieve your dream of homeownership, details in the bio.

2 Tips for you 👇

👉 Get your financial documents in order.

👉 Use a specialist self-employed mortgage adviser.

Which changes in the market over the last years, a considerable number of people left their jobs, looking for more flexibility, more control and more rewards for their career, by becoming an entrepreneur.

Often the question arise, am I able to get a mortgage as an entrepeneur?

Yes, you are! ✅

Whether you took the path of a sole trader or limited company owner, do the right thing and you will able to successfully apply for a mortgage.

Two main things are important:

When you’re self-employed, it’s important to have your financial documents ready to go. This includes tax returns, bank statements and final accounts for limited companies.

See a mortgage adviser with experience in dealing with self employed; he can help you compare loan offers from different lenders based on your circumstances and find the best option for your needs.

Both my wife and I are self employed for a long as we can remember. We have purchase properties in the UK as self employed and I know exactly the needs and the worries that a self employed person has when applying for a mortgage.

Understanding the paper work, the different necessary documents, times frames, number of years in trade and so forth can be a daunting exercise, however a mortgage adviser can take away all the stress and make this process a lot smoother for you.

Get in touch today and speak to a Mortgage Adviser that understand your needs. Talk to one that has been in your shoes before, and you will find out how you can purchase your home in the UK as a self employed. My details are in the bio.

Step 1:
We start with an assessment of your current situation so I can evaluate your best mortgage options and find the best lenders for what you want to achieve. In this step I help you better understand how the process works and what your options are.

Step 2:
It's time to gather all the necessary documents. Calculations are made to find out how much you can borrow. I will be on your case before lenders so that I can present your profile in the best way and show your finances are fit for a loan.

Step 3:
It's time for action. I will send your request to the lender and I will be managing everything, as well as any problems that may arise. I will be by your side from start to finish, including when the legal process begins and to answer any question you may have.

My mission is to help you achieve your home ownership dream with more tranquillity and less effort on your own! Contact me via link in the bio!

When it comes to applying for a mortgage, working for yourself can sometimes be seem as an issue. After all, how are you going to prove your income?

The first step is to understand that most mortgage providers will look at your tax returns for the past 2 years at least. The average profit from the last years will be calculated with exceptions in some cases.

With that in mind, you need to go after proof of income, which could be SA302s and the Tax Overviews.

I you don’t want to find yourself frustrated and tired of looking for a mortgage, come to me, I can help.

With knowledge in the field and being self-employed myself for many years I completely understand your situation and I can help you find the best opportunities out there for you to find the ideal lender to help you achieve your home ownership goals. Contact me via link in the bio.

Hello, I am Marlow and I am a enthusiastically ENGLISH cocker spaniel that ended up living with a bunch of Brazilians!

I found my place in their home and their hearts, I am proud to be their first family pet and we have lots of fun together!

This is my first world cup an since that opening Brazilian game I couldn't resist! I am definitely supporting Brazil too, I am even disguised as one of them!

I am not too sure where to go, is it England or is it Brazil?

Every four years my home country stops to watch which is our national passion! Football!

However, since moving to England it has always been a divided heart to me! This would be specially hard if Brazil would have to play England at any point.

With the acquisition of a third nationality (Portuguese), it was made even harder! We will always feel indebted to our Portuguese ancestries for the opportunities this amazing European citizenship has opened up for us as a family, even to enable us to live in this country today.

I feel very privileged, it feels like I have the three best chances to be winners! What a joy!

Fun fact: When looking for a name for my business, I wanted something meaningful, yet something that would somehow report me to back my origins and one of those things were football. That’s when I came up with Goal, so it would always remind me of my origins and also to make me contemplating the joy of achieving something, both for myself and for my clients.

So that is why we are Goal Finance. Because we need an extraordinary vision of future, something to aspire to. A GOAL worth pursuing.

So, back to football, what is it going to be?

Come on England! 🏴󠁧󠁢󠁥󠁮󠁧󠁿🏴󠁧󠁢󠁥󠁮󠁧󠁿🏴󠁧󠁢󠁥󠁮󠁧󠁿

É Brasil! 🇧🇷🇧🇷🇧🇷🇧🇷

Lusa! 🇵🇹🇵🇹🇵🇹🇵🇹

Looking for properties and haven´t seen a mortgage adviser yet? 😱👇

A mistake that some people make when looking for a property is to book viewings before knowing what they can borrow. Sometimes this is followed by a deception as they can’t always afford buying the house they just put an offer on.

To avoid this situation, a mortgage broker can help you to find out your possibilities before hand and help you setting up a budget for your future mortgage payments based on your circumstances.

Come today and speak to me, I offer a free mortgage consultation. Get in touch to book an appointment!

Details in the bio.

If you don´t know what to do now, this is perfectly understandable. This is a new time and this demands a well informed decision therefore more than ever good advice is needed!

If you about to purchase or remortgage, come and speak to me today. I can navigate you through all these options and source deals from whole of market.

A broker that listens! I will take the time to understand your needs and Goals, and build the right plan to your personal circumstances. Details in the bio.