Thu 06 Apr 2017
Mortgage Advisor Adam Sentance has recently joined APT Financial Management, working alongside John German Estate Agents to provide free independent advice to those looking for the best mortgage deals from lenders.
Adam has worked within the Financial Services industry since 2001, having most recently worked hand in hand with estate agents ensuring that both vendors and purchasers get the best independent advice and guidance from the initial meeting through to completion.
"Having recently joined APT Financial Management & John German, I have seen the efficient and personal service that is offered by the team and I am looking forward to complementing this with my experience moving forward." Adam comments.
Helping you find the best mortgage deals
The days of banks falling over themselves to give you a mortgage are gone. In the heady days of the property boom securing a mortgage often simply involved a quick hunt online, a phone call and filling in a form.
However, due to regulatory changes, lenders have tightened their criteria, demanding bigger deposits and cherry picking the best borrowers, therefore potential homebuyers or remortgagers now need to put in some hard work.
Recent changes to buy-to-let mortgages, will also make it more difficult for landlords/property investors to borrow. Regulators have imposed upon lenders stricter guidelines on affordability around the rental income a property must produce to justify a loan, making it difficult for some properties to be a viable proposition for lending.
All these changes mean that it can be more challenging for potential home owners and landlords/property investors, so the need for appropriate advice on obtaining a mortgage has never been more important.
We strongly recommend their services to anyone requiring a mortgage to buy a property or remortgage their home.
They provide advice on which mortgage product is most suitable for your circumstances. Their experience dealing with lending for many years, also means they are there to support you should a problem arise with your funding.
Mrs Smith, buying a property through John German left this review commenting on Apt's mortgage advice:
Contact your nearest John German branch for FREE MORTGAGE ADVICE
"A thoroughly professional and friendly service. Nothing was too much trouble. I was kept up to date at all times with the progress of the sale."