Spring is traditionally the busiest time of year for the property market, with many buyers and sellers eager to take advantage of the longer days and warmer weather. If you're planning to buy or sell a property this spring, it's important to be mortgage ready and to seek independent mortgage advice from a trusted source like Rettie Financial Services.
Why Getting Mortgage Ready is Key
Before you start your property search, it's important to get your finances in order and to know what you can realistically afford. This involves checking your credit score, assessing your income and expenses, and getting pre-approved for a mortgage.
Getting pre-approved for a mortgage means that a lender has looked at your financial situation and confirmed how much they're willing to lend you. This can give you a better idea of your budget and can also make you a more attractive buyer to sellers.
Working with Rettie
If you're selling your property this spring, it's important to get a realistic market appraisal to ensure that you're not asking for too much or too little. Rettie is a leading property company in Scotland that can provide you with an accurate appraisal of your property based on local market trends.
One of the key benefits of working with Rettie is that we can take care of both your sale and purchase. This means that you can have one point of contact and one company handling all aspects of your move, including your mortgage. This can take the stress out of the process and ensure that everything runs smoothly.
Other Things to Consider
When buying or selling a property in the spring, there are a few other things to keep in mind:
- Competition is high: With more buyers and sellers entering the market in the spring, it's important to act quickly and make strong offers.
- Timing is important: Spring is a busy time for everyone, so it's important to be flexible and to make sure that your move-in date works for you and the seller.
- Local market trends vary: What works in one area may not work in another, so it's important to work with a company that has local knowledge and expertise.
In summary, if you're planning to buy or sell a property this spring, getting mortgage ready and seeking independent mortgage advice from Rettie Financial Services can help you make informed decisions and find the right mortgage for your needs.
Working with Rettie can also ensure that your move runs smoothly and that you get an accurate valuation for your property. With the mortgage market set to remain competitive this year, it's important to be prepared and to have a trusted partner by your side.
GET IN TOUCH TODAY with our Mortgage and Protection Team to organise a no obligation consultation.
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Call us on: 03301 759 977
Email us on: financialservices@rettie.co.uk
Rettie Financial Services Ltd is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.
Rettie Financial Services Ltd. Registered Office Address: Deuchrie, Dunbar, East Lothian, United Kingdom, EH42 1TG. Registered in Scotland Number: SC711925.
For insurance business we offer products from a choice of insurers.
Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.
There is no guarantee that it will be possible to arrange continuous letting of your property, nor that rental income will be sufficient to meet the cost of your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.
The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.