Emma's mortgage story
Dance teacher Emma Reeder found getting a new mortgage a difficult move to perform until she spoke to Nottingham Mortgage Services 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. Emma 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 Nottingham Mortgage Services. Within weeks, the Reeders were putting pen to paper on a mortgage that suited their needs perfectly. Emma says: “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 met with out Nottingham Mortgage Services adviser in the Long Eaton branch. 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 we were reassured that there could be options. They talked us through our options having searched across over 60 lenders and we were delighted to secure the right mortgage for us.
“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 as we were eligible for the Member Rewards scheme via my dad who is a qualifying member**. 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.”
Matt added: “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’ 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.
**If you have a savings balance of at least £500 and have either held one of our savings accounts for at least the last 12 months or currently have a Nottingham Building Society mortgage, you can benefit from a range of offers.
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