A first time buyer myself last year, there were times when I felt completely out of my depth, and often I reached out to my mortgage adviser for guidance. That’s why we have fantastic advisers like Daniel Appleby, who have a genuine passion for what they do, and want to help customers get the keys to their dream home by giving them great mortgage advice.

Daniel is an award-winning mortgage adviser, achieving Number One in the UK for Face to Face Mortgage Advice last year, but he isn’t one to brag about his success. “I was so happy and proud. The problem is if you’re number one, there’s only one way to go from there,” he laughs. “But I’ll always do my best for my customers.” 

B.A part 1 Hindi literature 1

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Before you see an adviser, think about what matters most to you in a home loan. Do you simply want the lowest cost loan? Do you want specific features, such as being able to make extra repayments?

Thinking about this beforehand will make the conversation with your adviser easier.

Ask questions. Lots of them. Ask them to explain how each loan option works, what it costs and why it's recommended to you. If you are not happy with any option, ask them to find an alternative.

You don't have to take the first loan you're offered. You may prefer a particular lender, such as your current bank. Ask to see loans from other lenders as well, so you can compare.

A home loan is a long-term debt, so even a small difference in interest adds up over time. If you can get a lower interest rate from another lender, you could save thousands of dollars.

Ba. Part 2 Hindi literature 1 

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Be wary of short- term incentives such as cashback payments from banks, make sure the long- term fundamentals of the mortgage stack up. Incentives like these should be “icing on the cake” – not the main reason to sign. 

An established and successful mortgage adviser can work on a freelance basis for any financial institution that offers mortgage services. A graduate starting in the sector can work for: 

Meet with your clients in person to explain what type of mortgage adviser you are and how you're paid and find out about your client's financial situation, including what their monthly expenditure is and what type of product they can afford.

Explain the different types of mortgage and offer products for your client to choose from

Be ethical and realistically assess which type of mortgage is most suitable for each client

Ensure your customers can afford what they're borrowing, not only now but in the future, in the event that interest rates go up or their circumstances change 

B.a part 3 Hindi literature 1 

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If you have advanced communication skills, some marketing savvy and have a head for finance and dealing with people, then this can be a successful and potentially lucrative career for the right person.