Your mortgage is probably the largest and most important loan you will ever undertake, so it's vital that you get the right advice. We normally have over 12,000 different mortgage deals available at any one time, from over 400 different lenders. We bring these deals to you, rather than you having to go from establishment to establishment, often being asked the same questions over and over again. Advise and recommend the best product for your needs We will take details of your current financial situation, your income and employment history, regular expenditure, any loans or credit and past credit history. As you are buying a property to rent commercially we also get an idea of the projected rental income, this will normally form part of the mortgage calculation. From there we will get an idea of what type of scheme you are looking for by gathering factual information on your current financial situation and what your plans are for the future, i.e. how big your portfolio is going to get. As you may already be aware of the mortgage process you may be happy to work over the telephone, by post, by fax or email. This can speed the process up, the service is the same, but we work remotely meaning you save even more time. Liaise between the estate agent and solicitor Because we are used to the house buying process, we are your point of contact. We deal with estate agents and legal professionals on a daily basis, so we know what is required at which point in the process. Having this knowledge means we can anticipate potential problems before they arise and make the whole process run smoothly. We also know letting agents who may in the future have a tenant wanting to move into your investment property. Portfolio tracking highlights when mortgage rate is finishing Once we have gathered your information we keep track of your portfolio, ensuring that you are prepared when a mortgage deal expires. We like to think we are one step ahead of the mortgage lenders. Use your existing property to speed up the portfolio building process Some lenders allow you to have a chequebook facility on your existing property. This enables you to act as a cash buyer and puts you in a far stronger position when negotiating mortgage deals. If you purchase property at an auction then you can access the funds immediately. We then remortgage the new acquisition and join it onto your portfolio. Report based on your circumstances All our advice is put in writing in the form of the Knowledge Report. This document will form part of our advice to you. We will also send you a 6 monthly update on your portfolio so you are aware at all times how your portfolio is structured. Direct links with BTL underwriting teams. Because we deal with all the BTL lenders, we also have links into the underwriting teams of most lenders. This can speed decisions up helping your portfolio gain stability fast and you the rental income fast. Call Prior Knowledge today on 0800 804 8464 and make a convenient appointment in the comfort of your own home. Your home may be repossessed if you do not keep up repayments on your mortgage For mortgage advice we can be paid by a commission or fee of usually 0.4% Prior Knowledge - bringing the high street to your home | 
