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Your Questions
ANSWERED
Independent
Mortgage Adviser
by JODY WHITTINGHAM
Why use one?
INDEPENDENT MORTGAGE BROKER
Savills Private Finance (Channel Islands)
With five interest-rate rises since August 2006 and lenders time. This will benefit homebuyers as it will increase the
reducing the number of home loans available as a result of number of products available. Better choice tends to mean
the global credit crunch, there has never been a better time better rates and more flexibility. Our Jersey office is staffed
to seek independent mortgage advice. Your mortgage is with local, experienced and professional advisers who have
likely to be your biggest outgoing so it is important to get plenty of knowledge of the local market. We pride ourselves
the right deal. But finding this in the current economic on our strong relationships with local lawyers, estate agents
climate may feel like an insurmountable challenge. and chartered surveyors, making the whole home buying or
remortgaging process move swiftly and smoothly. We offer
This is where Savills Private Finance (Channel Islands) can clients a personalised service where their mortgage
help. We are an independent mortgage broker, based in requirements are managed from start to finish. No matter
Jersey. We offer access to every mortgage in the Channel how large or potentially complex the mortgage or situation,
Islands, as well as some exclusive deals. You could we will endeavour to find the deal to suit.
approach high-street lenders direct to see whether you can
get the financing you require but frankly, who has the time We are also fully conversed with the States of Jersey sell-
or needs the hassle? An independent mortgage broker, off at Le Squez and Le Marrais developments. If you have
such as SPF (Channel Islands) will do all the legwork for recently received a letter from the States of Jersey offering
you. you the opportunity to purchase your property or a similar
home, you may be wondering whether you should proceed.
It is important to make sure the advice you seek is We are happy to explain this offer to you in more detail.
independent. Being independent means we are free to We can advise whether you are eligible and look at your
consider all the options and have access to every product purchase options – now and in the future. We will
on the market. A broker who isn’t independent will only establish your requirements before tailoring a solution that
have access to - at best - a limited panel of lenders. How best meets your circumstances. We can assist with
can you ensure you achieve the best deal for your planning, budgeting and affordability.
circumstances if the broker you deal with is only looking at
a limited selection of mortgages? Our clients tend to be busy people who demand a high
level of expertise and efficiency. They like the fact that we
Our parent company, Savills Private Finance, is one of the can think creatively about seemingly outlandish requests
UK’s leading independent mortgage brokers, set up in and help them with tricky financial situations if required.
1997. The advantage of being part of a large, well-
respected brand is that it boosts our ability to negotiate Whether you are buying your first home, trading up to a
exclusive deals for our clients with local banks. Excitingly, bigger property or remortgaging your existing home, we can
we are also working closely with new developers and help. For all your mortgage needs, please contact Savills
lenders, who plan to offer mortgages in Jersey for the first Private Finance (Channel Islands) on 01534 709400.
a73
S
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