I am a fully qualified, independent, Mortgage Advisor always looking for the best possible outcome for my clients.
It is important to me to ensure that when people use my services, they feel looked after and appreciated, you are not a “one off” customer you are client who I would like to look after for as long as you need me, guiding you through the various stages of your home buying and mortgage life!
My clients are a valuable part of my business, without you my business would not exist, and I am extremely grateful. This is why I am very happy to include a “Client Referral Scheme” to show my appreciation to those that kindly recommend me to their friends and family.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Click a service card to learn more about that service.
Insurance is like a safety net for life’s uncertainties. Think of it as a promise from a company to help you when unexpected things happen….
Get in touch HERE to talk about an insurance service further.
Compare the market – comparison sites are great but unfortunately, they don’t always give you the full picture and you aren’t able to provide them with your plans and hopes for the future. These plans and hopes could mean a certain type of mortgage or interest rate is required and this is where I come in. Obtaining the right mortgage for you is my priority and making sure that you do not suffer unnecessary fees or penalties by making the wrong decision.
I am a fully qualified, independent, Mortgage Advisor always looking for the best possible outcome for my clients.
I will deal with the entire application process for you, from the initial research, speaking to the lender on your behalf, gathering the correct information, submitting the application and dealing with any questions or queries from the lender. Leaving you to focus on your busy life, happy in the knowledge that your mortgage is being looked after.
It is important to me to ensure that when people use my services, they feel looked after and appreciated, you are not a “one off” customer you are client who I would like to look after for as long as you need me, guiding you through the various stages of your home buying and mortgage life!
My clients are a valuable part of my business, without you my business would not exist, and I am extremely grateful. This is why I am very happy to include a “Client Referral Scheme” to show my appreciation to those that kindly recommend me to their friends and family. Click here for details of the scheme…
From her first jobs working in her parent’s bakery and in a local supermarket, Lisa, Founder of Sail Mortgages, realised she wanted a career that allowed her to be able support and bring joy to people.
Lisa embodies the personification of a ‘people person’ and loves that she now gets to help people with something as fundamental and life affirming as having the right mortgage, so her clients can live in their dream home.
Lisa’s career has spanned a lifetime in Financial Services, from secretarial work, to underwriter, to managing over 300 mortgage advisers before becoming an adviser herself.
And it certainly helps that she absolutely loves what she does, with her passion for the work and people, coming through in every client meeting. Now she gets to do all that under her own name as Sail Mortgages.
Client Referral
I do not underestimate the effort and time that goes into recommending me to your friends and family and to show my appreciation I am happy to send you a £50 voucher of your choice when a client is referred and they transact a piece of business with me, whether that be a mortgage or an insurance-based product.
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Buying your first home is exciting and I want to make sure your first experience is a positive one, being seamless and stress free.
There is a simple process to follow, and I will guide you through, each step of the way, from providing you with your borrowing figures and affordability information, obtaining an Agreement In Principle and submitting your application to talking and dealing with Estate Agents, right through to the completion of your mortgage and dealing with solicitors.
No question is ever a silly question so please feel free to ask away…
Being that little more experienced you will already have an understanding of the mortgage process, but it can still feel dauting when you have a property to sell and a new one to buy.
It feels just a little more complicated with more areas to balance but don’t worry, I am here to help and guide you through and ensure that the process is positive!
So, your mortgage rate is coming to an end, and you want to find a new one. Great, let me find it for you by looking at all the mortgage options available on the market, including your existing lender.
Maybe you are thinking of borrowing a bit more to extend your home, add a beautiful sunroom or conservatory or raise money to repay some financial commitments or fund your children’s education.
Let me help guide you through the lenders rules and restrictions ensuring we apply to a lender that can accommodate your needs.
Why wouldn’t I do this myself? Well, you can, of course. The reason you may want me to help you is because I can search the whole of the market to make sure that no other lender can offer you a better or more appropriate interest rate or mortgage.
When you use a mortgage advisor you receive advice, and this means that the advice is covered under the rules of the Financial Conduct Authority.
Unfortunately, this is not available if you deal with a mortgage lender directly as this is classed as Execution Only and this means you have decided for yourself as Banks and Building Societies do not give advice, only information.
Maybe you are thinking you would like to buy a 2nd property, a home in sunny Devon or Cornwall, a property for a child studying at University or a home nearby for an elderly parent.
Mortgages are available and I would be pleased to guide you through the process and provide you with all the information you need to make an informed decision.
The Financial Conduct Authority do not regulate buy to let mortgages.
If you are thinking about increasing your monthly income or planning for your retirement a Buy to Let property might be an option.
Different from traditional mortgages, buy to let lenders are more interested in the rent payment being received to determine your borrowing capacity.
Buy to Let mortgages are slightly more complex so please do contact me and we can talk about deposits, rental calculations and generally whether this type of mortgage is right for you.
Buy to Let Mortgages are not regulated by the Financial Conduct Authority.
Like a Buy to Let mortgage, this is where you wish to let out your existing residential property and move into a new residential home maybe with a new partner.
You may not wish to sell your existing home but to retain it and let it out.
Sometimes you may simply be able to obtain permission to let the property from your existing lender, however, if you wish to raise money for an onward deposit a new mortgage would be needed.
Slightly more complicated just because there are two mortgages involved, but nothing that cannot be achieved so please do get in contact and we can chat through your options.
At Sail Mortgages, we understand that life can throw us unexpected challenges, leaving us with credit issues. We want you to know that you’re not alone, and our mission is to be your guiding light towards a brighter financial future.
We specialise in helping individuals who may have faced credit difficulties in the past and help you find the best mortgage solution.
We know that discussing these challenges can be sensitive, but at Sail Mortgages, we provide a safe and supportive space where you can openly talk about your unique circumstances. We’re here to help you navigate the journey with empathy and expertise. Let’s set sail towards your new home.
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