Welcome to 'Mortgage Master'

The ONLY course of its kind in the UK, designed to provide you with the knowledge and tools you need to understand the mortgage market.

Exactly as it says, really - this is the starting point to prepare you for the more in-depth topics we will study.

This section deep dives into all the different types of mortgage 'product' that is available.

Fixed rates, trackers, discounts, and offsets are all discussed in this module.

We also examine how long these can run for, early repayment charges, overpayments and capital repayment vs interest only.

It's a big'un for sure, but by breaking it down a little a time - you will smash it...

In this section we are going to look in depth at how credit scoring works including some tips to help boost your score, where is the best place to get your credit report is and things to avoid that damage your score.

We will also delve into how decisions in principle work and why they are so important as well look at some of the mistakes people make and how you can avoid them.

There is a lot to consider when buying a house and a survey can help you make sure you know what you are getting into. But there are a range surveys and valuations available and these work in very different ways.

We will unpick all of this and provide some insight into what property types might be unacceptable, construction methods to watch out for as well as what happens with your mortgage application in the event your property is downvalued.

As a bonus lesson, we also learn about buying a property at auction- the mechanics of doing so and the risks associated with mortgage lending for this type of purchase.

Ready?

This is where we get some technical knowledge and disclose the process you should follow, the questions you should ask and the tools you need to research the market and select the right product.

Quite simply, it is time to be the broker.

These lessons are going to help short-cut any conversations you have directly with mortgage lenders. If you plan on approaching a lender directly, you may need to find out the answers to certain questions early on in the process so as to avoid getting too far into the process before finding out they are unable to help.

These are questions that, as brokers, we know the answer to but may not be ones that immediately spring to mind for you.

I have also included some situations where people go wrong and are best avoided.

So get ready for a knowledge dump.