Knowledge: The adviser showed a good understanding of the market. 3/5
Website: www.eternityhomefinance.com/home
Email: sam@eternityfinance.com 5/5
Verdict: The adviser appeared knowledgeable and was helpful to the shopper.
33/35
Adviser: Independent James (independent)
Address: 14 Clerkenwell Green, London, EC1R 0DP
Speed: 16:42pm. The shopper was connected to the switchboard after one ring and after three rings to the mortgage adviser. 5/5
Telephone manner: The adviser was extremely talkative, friendly and patient throughout the call. 5/5
Qualifications: CeMap. 5/5
Payment method: The adviser quoted a flat-rate fee of £500 at the end of the process. 5/5
Guidance: The adviser confirmed what the other advisers told the shopper, that it will be complicated for the shopper to obtain a mortgage given that she has been self-employed for less than a year. But he advised the shopper to see whether her employer will be willing to adjust the contract from an annual salary to a daily rate. He explained lenders prefer self-employed mortgage applicants to demonstrate a daily rate of pay rather than monthly or yearly pay. He asked to meet the shopper to review her employment contract. 5/5
Knowledge: The mortgage adviser demonstrated excellent knowledge of different rules surrounding self-employed borrowers. 5/5
Website: www.independentjames.com
Email: om@independentjames.com. 5/5
Verdict: Shopper's Choice. This adviser was the most helpful to the shopper as he made it clear that the process would be complicated but also proposed a solution that the other advisers did not.
35/35
