Ewemove and Reach 4 team up together
Buying a property and getting a mortgage is a major decision in everyone’s life, which is why local estate agents Ewemove have teamed up with mortgage brokers Reach 4 to provide expert advice.
Howard Bottomley from Ewemove North Leeds says:
“Shiva has been amazing in the short time I've been referring business to her. She responds very quickly to inquiries, and is clearly a real expert. More than that though is the feeling already that she is part of the team, being really committed to making sure sales complete - not just advising on mortgages in isolation. Recently she has rescued a sale where the buyer had been told by his broker that he couldn't get a mortgage any longer due to the changes in the market. Not only did Shiva find him a suitable product, but she did it in double-quick time to allow the sale to continue. “
Shiva Bastianacci, Reach 4 Mortgages personal mortgage adviser at Ewemove added:
“When looking for a mortgage the whole process can seem both scary and overwhelming. As an experienced mortgage broker, I can take the complexity out of the situation and provide all the assistance a buyer needs to choose the right mortgage and complete the purchase.”
“ In the present ‘climate’ it’s important, to both the estate agents and their vendors and those in any purchase chain, to financially qualify any ‘buyers’ quickly. In the current climate of post Covid – you cannot guarantee a buyer can get a mortgage – we have to find out how much deposit they have, where its coming from, are they currently working or furloughed. “
“Without knowing this how do you know your buyer is proceedable? On new build developments a buyer cannot reserve until they have been financially qualified and a lot of estate agents have taken the same stance – it protects your vendor and potentially a big chain from falling through.”
Shiva has been always been in the house buying industry starting off her working life at Abbey National in the home insurance team, training new starters, then moved on to working in Conveyancing and finally moving onto Financial services. She has been in the mortgage industry for 15 years and involves in house buying industry for more than 20 years. Shiva has a lot of experience including new build, help to buy, shared ownership right to buy and buy to let.
In her personal life, Shiva is married with 2 children. She goes to the gym and enjoys socialising with her many friends at every opportunity. The family love travelling, especially since her husband is from Italy, and a particular favourite is the Regione Autonoma della Sardegna (Sardinia).
The Bank of England usually increases interest rates when inflation is predicted to rise above their inflation target. Higher interest rates tend to moderate economic growth. Higher interest rates increase the cost of borrowing, reduce disposable income and therefore limit the growth in consumer spending. Higher interest rates tend to reduce inflationary pressures and cause an appreciation in the exchange rate.
Samantha Hodge, 24, is an Educational Support Worker who lives with her boyfriend Sam Wright, 28, also an Educational Support Worker. They have just bought their first home together having previously been advised that, due to their poor credit score, it would be unlikely that they would be offered a mortgage...
