I’m very British in that I’m not very comfortable talking about money sometimes. It’s not that I have anything to hide, I just like to keep some things private (yeah, that’s right, a blogger who keeps some private, you can’t put those eye brows down.) This is one thing I’ve had to overcome though recently as one of the huge downfalls of divorce, part from the blindingly obvious, is that you have to disclose every single penny you earn and spend to your solicitor and future ex spouse.
So while I’m on this big money sharing adventure <cough> I thought I’d write a post on one of the things I’ve had to do recently to help keep a roof over my kids heads and start a new independent life and that’s remortgage my house. No mean feat I should add at this point given the fact I’m self-employed and mortgages are pretty hard to come by at the moment.
Throw in the fact I’m a single mum of 3, working like crazy to try to raise said mortgage, so time is not in abundance to scour the internet. Which is why I am putting the task into the hands of the professionals and using digital mortgage broker habito.com to see if they can work miracles for me.
After an initial 5 minutes quick round of questions which helped give me a general idea to find out my maximum borrowing amount, along with an illustration on how much my payments would be, it was onto the next round. There are no credit checks at this point which is a relief!
It was then onto more detailed set of questions, still in the friendly, easy to follow format and again didn’t take much time. Finally I answered a few future plans questions, like do I intend to have more children, move ect which gave little snippets of advice on which style mortgages would be better for me.
Once that was all completed it was then all down to the option of having a chat with an adviser either though live chat or telephone. I’m a huge fan of live chat as I often have an equally chatty 3-year-old who battles for my attention the minute I get on the phone.
And that’s where I’m going to leave it there as my British-ness has kicked in again and what goes on between me and Habito.com stays between Ali & Habito.com. But I can say that it’s was quick, stress free and that I’m still sticking by my claim that some things are worth leaving to the professionals.
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