“Thank you for being there for us what it literally felt like the whole time!”
Isabella – 29, Portsmouth
“The advice and guidance you provide are invaluable! Thank you so much for making our dream come true!”
Peter – 32, Nottingham
“We are so grateful for your patience and time to explain every single detail in a simple language”
Michal – 37, Farnborough
“We never thought we needed a mentor but we are so glad we had you on our side to save our dream after we almost gave up.”
Helena – 48, London
Do you need a mentor?
Mortgage advisers will you advice on your finances only so they really are only there for this part of the purchase and only when you are actively seeking financing.
Estate agents work for the sellers and in their best interest. They may try to help you but they are not qualified to give you any advice and they are not at your disposal. Moreover, you are only dealing with them for the short time between the initial viewings and the accepted offer on a home.
Solicitors will only advise you on the legal process and the documents. They do not have the time to go into a lot of details about each step. Some will give you some practical advice but they will not help you make decisions. The are only there for you from having your offer accepted until receipt of the keys and they only focus on legal compliance.
Evidently, there is no professional on the buyer’s side from the start of the process until the very end and even further on. My experience along with the multiple enquiries I have received have shown that buyers need that knowledgeable, competent and friendly figure to bounce ideas off from, to touch base with at difficult times and to discuss options when decisions have to be made. Sometimes we are even discussing what feels like conflicting requirements from the bank and the solicitors.
Direction & Flexibility
The mentorship programme is flexible in line with every individual buyer’s needs.
You can choose how to use me and when to contact me as well as how you pay. I can be at your disposal and guide you either in different parts of your journey or throughout the whole process from the very beginning when you start considering buying a property until the end of your first year as a homeowner.
Guidance & Motivation
I appreciate how confusing the beginning of the whole process might be, especially for first-time buyers. However, it is also a very exciting time as at the end of it you will have your own nest you can call home.
My mentorship programme is designed to balance the chores you must do and legal drama of the process with the exciting moments and dreamy bits.
Advice & Support
The purpose of the mentorship programme is to provide you with the support, encouragement and motivation you need during this lengthy process. It could be a matter of several months, if not years, to pass from your initial thoughts about buying until receiving the keys to your new home. Inevitably there will be obstacles and complications along the way which you may not know how to approach, how to resolve, or whom to contact for help.
What I can do for you
Please see below the full list of services I have incorporated into the mentorship programme and believe will benefit you most upon your first purchase of a home or your first property investment.
I will organise a free session with a mortgage adviser to talk through your current options. I will then analyse your credit file and will make a personalised plan to get you mortgage ready as soon as possible. This will include details on where to save from and how to reduce your current costs.
We will also discuss what your dream home is and how to get as close to it as possible. I will talk you through the different types of property, government schemes and buying options to help you decide what is best for you.
I will review of your current finances with the aim to identify where you could save from and put more towards a deposit. I will give you tips and ideas on how to save efficiently and transparently.
We will discuss source of funds in detail to get you ready to pass this check smoothly during your purchase. I will give you detailed information on the government savings accounts incentives and the government Help to Buy schemes you could benefit from.
We will also discuss the mortgage deposit or the loan to value you will be able to secure.
I will provide you with general information about mortgages, lenders, mortgage advisers, mortgage payments, mortgage term, interest rates, fixed term periods and how it all works. If required, I will recommend you trusted mortgage adviser.
I will guide you through how to go about viewings, how to filter ads, what to look for at a viewing and what questions to ask depending on the type of property you decide to go for.
I will teach you how to be smart and get the property you want.
We will discuss how to make up your offer, when to offer more and how to negotiate at various stages of the process.
NOTE: You will still need to instruct a Conveyancing Quality Scheme (CQS) accredited lawyer to do your conveyancing.
I will provide you with detailed information on the whole legal process as well as step by step. I will help you understand the legal documents and your solicitor’s advice. I will guide you to prepare for the next step on time so that no delays occur on your side.
I will provide you with practical advice and guidance throughout.
I will help where difficulties arise as far as my involvement is appropriate.
I will advise on how to escalate issues and complain if need be as well as how to speed things up and how to avoid delays.
I will prepare personalised plans, lists, spreadsheets and diaries to assist you during the process.
I can find and recommend a team of mortgage adviser, solicitor, surveyor, protection adviser, gas & electricity inspectors as and when required.
I will help you plan your initial days and months in your new home.
I will assist as much as possible in dealing with any issues which may arise.
I will draft any correspondence you need with any third parties where necessary.
What I cannot do for you
- Submit complaints on your behalf
- Direct contact with your bank and your solicitor on your behalf
- Direct contact with any third parties on your behalf
What will it cost you?
What will it save you?
The cost of the mentorship programme is designed around your budget. It is essentially a subscription service where you decide how much and for how long you would like to use me. There are three most popular choices people have been opting for:
- Initial stages only – this option would cover the time period between your initial thoughts about buying a property until you start actively looking for one. During this time I usually help you assess your financial strength and improve your record in order to make you mortgage ready. This option covers the 12+ months before you start looking for mortgages and properties and costs £39 per month. Subject to a minimum of three months’ subscription.
- Viewings and legal process only – this period covers the time you actively look for a property and buy one which may be more than a year. During this time I am helping you through the viewings and the offer making process as well as during the actual conveyancing stage. It covers the 12+ months from your first viewings until completion of your purchase. It costs £69 per month and it stops at completion of your purchase. Subject to a minimum of five months’ subscription.
- All in – this may be a period of 2 to 3 years from your initial thoughts about buying a property, through until the end of your first year as homeowners. This is the complete and full package of everything and anything I can do for you during your home buying adventure. It costs £49 per month. Subject to a minimum of twelve months’ subscription.
Based on the feedback I have been getting from clients, I have listed the main features of the programme they have benefitted from below:
- Invaluable practical guidance every step of the way
- Ideas on how to manage finances and save more efficiently
- Covering the gaps of information, help and assistance between the various stages
- Direction as to where to go and whom to turn to in different situations
- Having a person to talk to when nobody else is available or appropriate
- Answers to all “stupid” questions
- Advice and direction at evert stage of the process.
- Flexibility on when to involve me and how to pay
- Help resolving issues which you have to deal with yourselves
- Draft correspondence with any third parties
- Direct correspondence with any third parties where my involvement is possible and appropriate.
- Conflict resolution if any arise
- Great negotiation tips
- Amazing detailed explanations in simple language about the legal documents
- Free copy of the books or full refund if you have already bought them.
I reserve the right to make changes to the mentorship programme without any notice.