Where should a good mortgage to meet?

The mortgage is an excellent product advice. To get a solid advice you can enable an independent consultant. In the past, the consultant paid directly by the banks and insurers, but from 2013 this is no longer allowed. Customers should pay direct the adviser now for his or her involvement. This should increase competition between the consultants and the customer knows exactly what the advice will cost. In the past, namely high costs charged to the customer. The consultant was paid by the bank or insurer, but it was passed on to the customer via the premium and mortgage interest.

 

An opinion must be independent

One of the objections of commission was the dependence of the consultant. The consultant had good advice, but at one bank, he may be a higher commission paid in comparison with another bank. When hosting multiple mortgages at one bank, could there even exist right on a kind of bonus. This was the opinion of course not for the better. You must get advice as a customer where your interests are central, not the interests of the adviser.

 

You must know the rights and obligations

The consultant can not be satisfied with finding the mortgage that best suits you. You need to pay monthly for the next decades, so you should know exactly what you quit. The consultant must also point out the disadvantages of particular choices, and what you can expect in terms of wealth accumulation. Choose a mortgage investment offers chance for a high yield, but you must also know the objections.

 

What will the advice cost you?

The consultant can not suffice to specify the hourly rate. As a customer you should know in advance about how high the bill will be. The consultant can be a clear indication of how high the costs will probably fall. This allows you to choose a consultant, the costs of the opinion to be counted in the selection of a consultant.

 

Repayments during the term

The repayment by sliding into the future, the maximum tax advantage can be achieved. The repayment by sliding also has disadvantages. Repayments during the term ensure that the homeowners get lower monthly payments. By the mortgage up, the mortgage repayments hard pressing the available monthly budget. This must be a mortgage advisor assertively take the advice.

 

A mortgage is a financial plan for thirty years

A mortgage must adapt to the life stages. A mortgage must now be appropriate, but must also be mutated so that it can be adapted to your wishes. For example, can a mortgage be taken to another house? Mortgage offers you the possibility to redeem accelerated? These are questions you should ask yourself before you call goes to the mortgage advisor. Get your loan now!  Contact Us