It often takes more than a mortgage adviser to complete the deal.
Recognising this we have developed a network of colleagues and firms to enable us to bring 'the complete team' into play as and when necessary.
Any such recommendations and introductions are based upon a real relationship established to ensure that such business partners maintain our customer service ethic and work with us to provide the most seamless support possible.
We do not use introductory 'panel sites' - introducing unknown firms on a paid reference basis.
There is more information here about our recommended solicitors, building survey firms, pension and investmant advisors, accounting and taxation specialists, marriage and separation specialists and our preferred source of credit reports.
Any such recommendations and introductions are based upon a real relationship established to ensure that such business partners maintain our customer service ethic and work with us to provide the most seamless support possible.
We do not use introductory 'panel sites' - introducing unknown firms on a paid reference basis.
There is more information here about our recommended solicitors, building survey firms, pension and investmant advisors, accounting and taxation specialists, marriage and separation specialists and our preferred source of credit reports.
We are pleased to recommend Knights Professional Services
Rather than a 'firm' we have consistently followed one solicitor, with whom we have now worked almost exclusively for more than 10 years ...
Gethin LLoyd (Partner)
01244 896668 - click on Geth's image to call direct
01244 896668 - click on Geth's image to call direct
... where he is now the partner responsible for conveyancing at their Chester Office.
Your choice of solicitor, specifically when purchasing, is particularly important and will impact on both the speed and quality of the transaction which is one of the largest most clients will conduct.
You are free to use any solictor you chose (provided they are accepted by the lender - for whom they will also act) but we encourage you to select on recommendation rather than price.
If you do not have an established solicitor relationship, nor a family/friend recommendation we are always pleased to recommend Geth, not least because of the firmly established communications between our case managers, and his specific paralegals allocated to our caes.
Your choice of solicitor, specifically when purchasing, is particularly important and will impact on both the speed and quality of the transaction which is one of the largest most clients will conduct.
You are free to use any solictor you chose (provided they are accepted by the lender - for whom they will also act) but we encourage you to select on recommendation rather than price.
If you do not have an established solicitor relationship, nor a family/friend recommendation we are always pleased to recommend Geth, not least because of the firmly established communications between our case managers, and his specific paralegals allocated to our caes.
Click on the Knights logo below to go to their website (which will open in another window).
In doing so you are leaving the regulated site of Janet Hall - The Mortgage Lady and neither we nor TenetLime Ltd have any control or influence on the pages you are about to access, or to where any subsequent links may take you.
In doing so you are leaving the regulated site of Janet Hall - The Mortgage Lady and neither we nor TenetLime Ltd have any control or influence on the pages you are about to access, or to where any subsequent links may take you.
Your basic survey (valuation) will almost always be provided and arranged by the lender - this may be a free component of the mortgage product, or may be a charged item.
In most, but not all, cases the lender will offer to upgrade this to what is known as a 'Homebuyers Report' or, in some cases a 'Building Survey' - and the price they offer is 'subsidised' by the visit for the valuation provided they are conducted at the same time.
Not all lenders offer the upgrade capability to either or both - in which case the additional survey will need to be instructed with a third party.
You - or the lender - may discover other items, not covered by the basic surveys that need subsequent investigation.
Working with our partners at SortRefer we can quickly arrange all forms of such surveys at competitive prices on a national basis.
I and/or your Case Manager will be pleased to provide further details of the options and specific quotations both before your application and on any susbequent issues needing attention.
In most, but not all, cases the lender will offer to upgrade this to what is known as a 'Homebuyers Report' or, in some cases a 'Building Survey' - and the price they offer is 'subsidised' by the visit for the valuation provided they are conducted at the same time.
Not all lenders offer the upgrade capability to either or both - in which case the additional survey will need to be instructed with a third party.
You - or the lender - may discover other items, not covered by the basic surveys that need subsequent investigation.
Working with our partners at SortRefer we can quickly arrange all forms of such surveys at competitive prices on a national basis.
I and/or your Case Manager will be pleased to provide further details of the options and specific quotations both before your application and on any susbequent issues needing attention.
We are pleased to recommend Aspen Financial Advice
We often find that clients are approaching us for mortgage advice as part of a wider review of their medium and long term financial planning.
As we do not hold the relevant licences for pension and investment advice we have in recent years developed a close relationship (we provide mortgage advice to her clients) with a local firm who specialise in these areas ...
As we do not hold the relevant licences for pension and investment advice we have in recent years developed a close relationship (we provide mortgage advice to her clients) with a local firm who specialise in these areas ...
Tracy Hunt (Director)
01844 260466 - click on Tracy's image to call direct
01844 260466 - click on Tracy's image to call direct
... Tracy and I meet regularly and work jointly with a number of our clients.
We and Aspen Financial Advice have many similarities in terms of our customer service ethic - and are both small family businesses (Tracy works with her husband - David) with long experience in their specialist areas.
We and Aspen Financial Advice have many similarities in terms of our customer service ethic - and are both small family businesses (Tracy works with her husband - David) with long experience in their specialist areas.
Click on the Aspen logo below to go to their website (which will open in another window).
In doing so you are leaving the regulated site of Janet Hall - The Mortgage Lady and neither we nor TenetLime Ltd have any control or influence on the pages you are about to access, or to where any subsequent links may take you.
In doing so you are leaving the regulated site of Janet Hall - The Mortgage Lady and neither we nor TenetLime Ltd have any control or influence on the pages you are about to access, or to where any subsequent links may take you.
We are pleased to recommend Knox & Eames Chartered Accountants
We regularly find clients, particularly the self-employed, in need of both accounting and tax advice.
We were also very conscious that the recent changes to the taxation of Buy to Let properties and other aspects of the financing of such investments was likely to need additional support in the coming months.
With this in mind, we were delighted when early in 2016 we contacted Knox & Eames (a company local to us) on behalf of clients with a particularly complex case and were highly impressed with their detailed knowledge and no nonsense feedback. We have since established an ongoing realtionship with ...
We were also very conscious that the recent changes to the taxation of Buy to Let properties and other aspects of the financing of such investments was likely to need additional support in the coming months.
With this in mind, we were delighted when early in 2016 we contacted Knox & Eames (a company local to us) on behalf of clients with a particularly complex case and were highly impressed with their detailed knowledge and no nonsense feedback. We have since established an ongoing realtionship with ...
Su Knox (Partner)
01491 628182 - click on Su's image to call Knox & Eames
01491 628182 - click on Su's image to call Knox & Eames
... and are now happy to be able to introduce our clients to Su, her husband Russell and their three administrative staff making up the team at Knox and Eames.
Click on the Knox & Eames logo below to go to their website (which will open in another window).
In doing so you are leaving the regulated site of Janet Hall - The Mortgage Lady and neither we nor TenetLime Ltd have any control or influence on the pages you are about to access, or to where any subsequent links may take you.
In doing so you are leaving the regulated site of Janet Hall - The Mortgage Lady and neither we nor TenetLime Ltd have any control or influence on the pages you are about to access, or to where any subsequent links may take you.
We are pleased to recommend Knights Professional Services
Concerned at the number of our clients who are failing to take our advice on implementing or updating appropriate wills we have recently extended our co-opertation with Knights Professional Services (our preferred conveyancing solicitors) to provide a more integrated solution in this area.
We now liaise directly with ...
We now liaise directly with ...
Katie Brassington (Partner)
01244 896672 - click on Katie's image to call direct
01244 896672 - click on Katie's image to call direct
... based at Knights Chester office in setting up your will based on the detailed understanding of your objectives and financial position that we development during the mortgage advice process.
For those of you faced with dealing with a loved one's death and the execution of the will (or dealing without one !) their probate service brings a welcome and experienced 'helping hand'.
For those of you faced with dealing with a loved one's death and the execution of the will (or dealing without one !) their probate service brings a welcome and experienced 'helping hand'.
Click on the Knights logo below to go to their website (which will open in another window).
In doing so you are leaving the regulated site of Janet Hall - The Mortgage Lady and neither we nor TenetLime Ltd have any control or influence on the pages you are about to access, or to where any subsequent links may take you.
In doing so you are leaving the regulated site of Janet Hall - The Mortgage Lady and neither we nor TenetLime Ltd have any control or influence on the pages you are about to access, or to where any subsequent links may take you.
We are pleased to recommend Checkmyfile
Credit reports are central to the mortgage advice process - and not just for those with credit problems (full reports provide far more relevant information than whether you paid last month's credit card bill on time).
For this reason we obtain a credit report for all mortgage applicants very early in the advice process.
We can accept these reports from any of the main agencies (Experian - Credit Expert, Equifax or CallCredit - Noddle) and some of the secondary agencies (who actually use data from the main agencies).
Our preferred source is Checkmyfile as:
🔶 Their reports include data from four reporting agencies
🔶 Their report is the clearest and easiest of any to read
🔶 They provide you an excellent helpdesk to assist with any problems identified
To obtain a free credit report (one time only) from Checkmyfile click on the logo at the top or bottom of this page.
For this reason we obtain a credit report for all mortgage applicants very early in the advice process.
We can accept these reports from any of the main agencies (Experian - Credit Expert, Equifax or CallCredit - Noddle) and some of the secondary agencies (who actually use data from the main agencies).
Our preferred source is Checkmyfile as:
🔶 Their reports include data from four reporting agencies
🔶 Their report is the clearest and easiest of any to read
🔶 They provide you an excellent helpdesk to assist with any problems identified
To obtain a free credit report (one time only) from Checkmyfile click on the logo at the top or bottom of this page.
Click on the Checkmyfile logo below to go to their website (which will open in another window).
In doing so you are leaving the regulated site of Janet Hall - The Mortgage Lady and neither we nor TenetLime Ltd have any control or influence on the pages you are about to access, or to where any subsequent links may take you.
In doing so you are leaving the regulated site of Janet Hall - The Mortgage Lady and neither we nor TenetLime Ltd have any control or influence on the pages you are about to access, or to where any subsequent links may take you.
The guidance contained within this website is subject to the UK regulatory regime and is primarily targeted at consumers based in the UK.
The Mortgage Lady is a trading style of Janet Hall, who is an appointed representative of TenetLime Ltd, which is authorised and regulated by the Financial Conduct Authority. TenetLime Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 311266
Proprietor: Janet Hall
115 The Street • Crowmarsh Gifford
Wallingford • Oxon • OX10 8EF
0330 999 1955
115 The Street • Crowmarsh Gifford
Wallingford • Oxon • OX10 8EF
0330 999 1955
Click on the FCA logo below to go to their website (which will open in another window).
In doing so you are leaving the regulated site of Janet Hall - The Mortgage Lady and neither we nor TenetLime Ltd have any control or influence on the pages you are about to access, or to where any subsequent links may take you.
In doing so you are leaving the regulated site of Janet Hall - The Mortgage Lady and neither we nor TenetLime Ltd have any control or influence on the pages you are about to access, or to where any subsequent links may take you.
