Hazel Totten

Background

About Hazel Totten

Hazel Totten at Mortgage Routes will give you advice that’s bespoke and suits” An Industry professional with 22 years financial services experience working for a well-known retail bank and mortgage intermediary firm. Working on behalf of my clients I provide a personal bespoke advice service. I take into account my clients personal and financial circumstances and tailor make a mortgage recommendation that suits their own individual needs. Your mortgage is one of the largest and longest commitments you will have in your lifetime. What is your understanding of the mortgage process? Where do I Start? Why is it so important to speak to a mortgage professional adviser? How does a mortgage broker differ from your own Bank? Why do different lenders offer different interest rates? Why do different lenders apply diverse underwriting rules to their policy? What financial benefits can be achieved by reviewing your mortgage interest rate and term? How does your own personal and financial circumstances affect what mortgages are available to you? How can a broker save you time and money? What deposit will you need? If you would like to know the answers to the above, I will be delighted to review your personal and financial circumstances and sign post each step of the mortgage process in an easy-to-understand manner. Many first-time buyers, home movers and landlords are facing the backlash of COVID -19. We have witnessed a property market that was booming from 2020 to a property market decline since sept 2022. Criteria and requirements to obtain a mortgage can be difficult for some sectors of the economy in such unprecedented times. As an experienced mortgage broker, I ensure I am up to date with the latest policy and procedures. conduct full research of the market for each individual client and communicate clearly and concisely what will be required for a mortgage application. I break down the mortgage process in a simply easy to understand manner and remove the stress from the house buying process whilst at the same time saving my clients time and money. I also ensure that my clients have the appropriate protection polices in place should the unexpected happen during the term of their mortgage. Which Clients can I help? First Time Buyers Home Movers Buy to Let Landlords Remortgage clients Clients with Impaired Credit Self Employed Clients Contractors This list is not exhaustive For any help advice or guidance please contact me 07961 606587 ht@hazeltottenmortgageroutes.co.uk.