Answers
I am thinking of buying a flat in London. However, this is the first time I am dealing with this topic and I do not know much about it. I need to find out how much I can borrow. Do you know any good financial advisor or mortgage advisor who can give me this information? How do I go about finding mortgage advisors whose services are free of charge?
Go to http://www.moneymadeclear.fsa.gov.uk/pro ducts/mortgages/mortgages.html
It's the FSA website offering unbiased info about how much you can borrow and where you can compare the products which are suitable for you.
Hope this helps and good luck!
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I have FPC1,2 & 3 gained 9 years ago. Are there companies who offer training and network. I would prefer to be independent and work from home if possible. I am 49 years old with both Financial Sales and Sales and Marketing experience
You might want to update your skills by sitting the mortgage advisers exam run by the CII ( cant remember what its called now - it was 5 years ago I did my FPCs - check the CII website)
But as far as I'm aware there's companies in the South East crying out for mortgage advisers, especially with sales experience. I can't see your age being a problem.
Look on recruitment websites like reed.co.uk and the government jobcentre plus website and go for anything that looks hopeful
good luck
Do I need a financial advisor to find the best mortgage? I am in London.
First step is check your credit.
You will need good credit, money for closing costs (around $2,000), and patience.
Take your time picking out a house. Make sure it is in a good neighborhood. Go on line and check the value of the homes in the area. When you decide on a home, check with FHA for a mortgage and then banks. FHA can help you with closing costs and offers some first time buyer help. Don't be afraid to offer less for a home. And don't over spend on a home because you have to have it.
Good luck
I'm not in any serious debt. When I was 20, I recieved £3m, so $6m. I'm 25, and I've got £2.5m left. I've spent half a million pounds in five years. I don't work, so I don't have an income. I also don't have a mortgage. I live in a house in Central London, which was also bequethed to me- it would be a pain to part with it but it is inevitable.
American Express won't touch me- I've been told as I don't have an income I am not eligable for even their basic account. I need a financial advisor full time to monitor me! It's that bad. If I go shopping, for example, I can't not spend under £250 in a food store- or £500 if I'm clothes shopping.
I know I must sound pretty pathetic, but it is truly worrying for me- should I go to a financial advisor? I feel emotionally drained all the time worrying about money. Help!
*Eligible.
Hey just have your money in an interest saving account or CD just by earning a low interest of 1.2% on 2m is $24000.00 a month that is ALOT! of money what happens is you put that money into a savings and just live off the interest you earn on it. Get an education so you may generate even more money and do well for yourself. Other than that try to control yourself from shopping.
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