Case Studies

Finding your way through the financial maze can feel quite daunting. Then when your life takes an unexpected twist you can feel incredibly vulnerable.

As a mortgage adviser I have helped many clients with their financial arrangements and encouraged them to think about what could happen in the future. Case studies are a great way to tell their stories, but these are all strictly for illustrative purposes only.

Good communication must be a priority

A couple were buying their dream home but were finding the whole mortgage process incredibly difficult. They had been to see a mortgage adviser but were struggling to understand why everything was progressing so slowly.

Out of complete frustration they decided to contact another mortgage adviser, which was in fact me. It transpired there was very little communication going between the adviser and the couple, which was having an impact on the purchase of their new home.

I took over the mortgage process, agreed the most suitable product for them and submitted the application to the lender. The mortgage offer was made within 48 hours and the purchase was back on track. They successfully bought the property and moved in on the date they had originally planned for.

When your bank can’t help

As a mortgage adviser, I often advise clients to ask their bank in the first instance for any additional funding. This was the case when another couple came to see me about borrowing more money so they could consolidate their unsecured debt balances.

They had already been to see their bank who were unable to help them. So, we sat down and went through their current financial arrangements and circumstances.

Being an adviser, I was able to search the whole of the mortgage market and offer them a mortgage product which actually reduced their monthly mortgage payment. It allowed them to repay the debt on a split term and at a lower interest rate than they were paying on their unsecured debts.

It can happen to anybody

I really enjoy working with first time buyers. It’s usually a new experience, so just explaining how the whole process works is a big advantage to them.

On this particular occasion I completed the mortgage process and the couple had just moved into their property. I wasn’t expecting to see them for a while but they came to see me in a panic.

It was an unforeseen circumstance but they had been made redundant from their jobs. We had talked about accident, sickness and redundancy cover during our mortgage discussions and they had taken out the cover.

The claim was made and the policy paid out. It enabled them to maintain their mortgage payments and stay in the property. A new job was secured and the policy remained active so they could continue to live in their home and remain fully covered by the insurance.

Planning for the news nobody wants to hear

Being diagnosed with cancer and told that the care you will receive is only palliative is a real shock. Your financial arrangements are probably the last thing on your mind.

This happened to one of my clients. We had discussed their life and critical illness insurance to cover the mortgage balance in the event of either of them passing away or being diagnosed with a critical illness.

Unfortunately, this was exactly what happened. The lady was diagnosed with cancer and passed away in her mid-30s. The policy paid out and the mortgage was settled in full. Her husband was now in a position to take a less stressful job but was still able to live quite comfortably. It was one less thing to worry about during his grieving process.

What my clients say

"Catherine was incredible in helping us buy our first home together. It would have been such a daunting process but Catherine made it so simple and explained every little bit to us from putting the offer on the house to the day we moved in. Catherine helped us to sort out absolutely everything we needed for now and the future and covered things that we wouldn't have even considered at this point, but we are so grateful that they are sorted and in place for the future. She has always been on hand for every little question and her knowledge on the area is amazing! Thank you very much for all your help with buying our first home."

Sarah and Mike

"Thoroughly recommend Collar Mortgage Services, professional, friendly and extremely efficient. Made what is supposed to be one of the most stressful things you can do a walk in the park!"

Viki East

"Catherine was incredibly professional and thorough in sourcing the best value mortgage for us. She took so much care and attention explaining it all to us. Excellent communication throughout, nothing was too much trouble."

We wouldn’t hesitate to use her services again, or recommend her to anyone else.

Katy and Lee

"As a new independent but very experienced insurance broker Catherine has been extremely professional but with a great personal touch and a refreshing approach to the industry. She delivered the best insurance policy for us without any regards as to the commission. She has gone beyond our expectations in delivering the right policy for us. We will be highly recommending her and also using her services again in the future."

Thank you for the great work that you have done for us.

Basia & David

"I would just like to say it was a great pleasure to do business with you, you were very professional, helpful and very thorough with all your advice and I feel you went beyond the call of duty helping me to make the correct decision for me. I'm very thankful for all your help and advice and will recommend you to all my friends and family for your fast and efficient service."

Thank you once again for all your hard work.

Sue Harris

Get in touch

I can offer you a wide range of mortgage solutions. As a trustworthy, reliable and passionate mortgage adviser, I simply love helping my clients achieve their dreams.

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