Klaudia Bernaczek- Mortgage & Protection Adviser
Fave Mortgages Ltd (FRN 1016874)
Your home may be repossessed if you do not keep up repayments on your mortgage.
Your home may be repossessed if you do not keep up repayments on your mortgage.
11/07/2024
Broker vs bank which is better?
Some basic pros for broker below.
13/06/2022
Help to Buy (HTB) Equity Loan Repayment.
You have bought a house using Help to Buy Equity Loan and now looking to repay it?
There are things which will be always the same:
1. You need to do a RICS valuation which is valid for 3 months.
2. You need to complete application for repayment.
3. You need to appoint solicitor who will help you with all legal matters.
There are 3 ways to repay Help to Buy Equity Loan:
1. When selling the property- simply repay the amount showed from the HTB redemption letter after your property has been sold.
2. When repaying from savings- repay the amount provided on the redemption letter from savings.
3. During remortgage (changing mortgage deal)- you need to check your affordability with a broker first. Then arrange a RICS valuation. After completed survey apply to HTB provider to repay the equity loan and speak with your advisor to start looking for the best mortgage deal for you. When you will receive a redemption letter proceed to full mortgage application.
26/04/2022
Klaudia Bernaczek- Mortgage & Protection Adviser updated their information in their About section.
There is a lot myths which you can hear about mortgages. Don't believe in everything you hear, always double check with advisor.
Some tips how to improve credit score.
11/04/2022
Buying first home can be complicated and stressful. There is much more to do in between but this 5 steps might help to understand the whole process better.
Happy to share my first Trophy for Top Rated Advisor 2022 :)
Thank you to my lovely clients who helped me to achieve this!
29/10/2021
Another lovely review :) Thank you
25/10/2021
Another review from my client :)
21/10/2021
Fantastic news! I have qualified for Top Rated Mortgage Adviser for 2022. Thank You to all my Clients for your support 🥳🙂🙏🏡
21/10/2021
Are you wondering if you can get a mortgage with low credit score and blip on your credit history? We can check your options.
13/10/2021
This is great when you can see your clients happy :)
Everything is possible! Mortgage offer in just 2 working days for remortgage!
Are you thinking of buying first property and you don't know where to start?
First step should be gather documents required:
- proof of ID
- proof of address
- proof of deposit
- last 3 months bank statements
- proof of income
- list of outgoings ( credit report is helpful)
Then contact mortgage broker who will assess your situation and will guide you what can you afford.
Great news, stamp duty holiday has been extended until the end of June!
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