No Mortgage Stress - Emma

Dance teacher Emma Reeder found getting a new mortgage a difficult move to perform until she spoke to Nottingham Mortgage Services (part of the Nottingham Building Society) and they helped get things in full swing.

The 29-year-old from Derby originally had a sole mortgage on the house she shares with partner Matt as at the time she and he had only been together a short time.

Following the arrival of their daughter Martha, now 20 months (pictured with the couple), and wedding in April 2015 the pair wanted to get joint names on the mortgage paperwork for their semi-detached family home in leafy Breadsall Hilltop - a property that formerly belonged to Emma’s late grandma.

Emma visited a mortgage adviser she had seen previously, paying just under £100 in doing so. She explained how she wanted to remortgage with Matt, 34, and draw down some equity in the process, to consolidate some small debts and cover the cost of home improvements.

But the visit to the adviser drew a blank - which left the duo frustrated and thinking they may have to wait a while longer to fulfil their mortgage dreams.

That was until Emma’s dad suggested family friend Helen Crowther-Dowey, a Nottingham Mortgage Services Whole of Market mortgage adviser based at the society’s Long Eaton branch. Within weeks, the Reeders were putting pen to paper on a mortgage that suited their needs perfectly.

Emma takes up the story: “Our lives were starting to take shape - we had welcomed Martha into our family and got married. It made sense to put the house in both of our names and we were really excited about the prospect, so it was frustrating when it didn’t happen initially.

“Everything changed around so positively when we went and met Helen. From the off she put us at ease as she explained she would do everything she could. Doors started to open that had previously been shut in our face.

“I am self-employed and had been told that could be a problem but when we went through our financial situation and what we were looking for from the mortgage with Helen she reassured us that there could be options - and there was.

“She answered all of our questions and went above and beyond with an excellent level of customer service. I remember emailing her a query one day and getting her ‘out of office’ reply back. I presumed she was on leave and I’d have to wait a few days but within minutes I got a reply from her. That is truly going above and beyond.

“Helen talked us through our options having searched across over 40 lenders and we were delighted to secure a mortgage that suited us perfectly.

“The peace of mind and pride we feel as a family to have a joint mortgage is a great feeling. To be honest I still have to pinch myself to think that we received the advice free of charge. It is a no brainer for anyone to speak to Nottingham Mortgage Services about Whole of Market mortgages.

“I have already recommended them to a friend of mine who was close to paying nearly £500 in broker fees elsewhere.”

The Reeders now have a 33-year NatWest mortgage with an initial two years fixed at 2.43%.

Derby County Football Club Digital Content Manager Matt adds: “It was always our aim, once Emma’s original fixed rate period had expired, to change the mortgage.

“During that time we had Martha and got married. We have become a family and the icing on the cake is that we have been able to secure a joint mortgage.

“In a day and age where excellent customer service is rare and sales people are often only interested in their next sale or commission Nottingham Mortgage Services’ Whole of Market offering is great. We were put under no pressure whatsoever and were taken through things step by step. I would highly recommend it.”

For more information about Nottingham Mortgage Services call 0344 481 0013 visit a branch.

*Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Be aware that house prices can go down as well as up. 

Emma, Matt and Martha Reeder

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