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Mortgage advice over the airwaves in radio debut

Daniel Bailey

Monday

I have a meeting this morning with a client who is an existing landlord and is looking to increase his property portfolio. This afternoon is spent speaking with lenders and solicitors to get updates on cases.

I receive a call from a first-time buyer who has had an offer accepted on a property and needs a mortgage; I agree to go and see them this evening.

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Tuesday

It is a 6am rise today as I have a breakfast meeting at 7am. Back home – the office – for 9am, ready for the start of the working day. The morning is spent carrying out mortgage research for a first-time buyer and a self-employed client.

I receive a couple of emails from lenders confirming two of my mortgage applications have been agreed – the type of email that is always welcome.

I have a meeting with a lender early afternoon – these meetings are always productive as you get to know a lender’s lending criteria in detail.

My early evening is spent writing up client reports and then I decide to go for a run to clear my head.

Wednesday

I have been asked by a local radio station to have a chat with them about the mortgage market and the local property market. I prepare some notes for my debut on radio. The rest of the morning is spent preparing mortgage quotes and responding to client emails and client phone calls.

This afternoon I have a presentation to a firm of accountants that are interested in what I do and how I could help their clients. The presentation goes well and I get great feedback.

I have client meetings early evening with a first-time buyer and an existing client looking to buy his first buy-to-let property.

Home for 8.30pm.

Thursday

I am a list man; I jot down all the cases I need to prepare figures for. It is a mixture of first-time buyers, let-to-buy and remortgage. It is a juggling act at the moment as all clients require the figures as soon as possible.

Late morning I have a meeting with a mortgage lender. Once again I get an understanding of the lenders’ criteria is key in the mortgage market. It is a positive meeting.

I go back home and spend the afternoon carrying out mortgage research – most of the time is spent on the phone to lenders confirming criteria with them.

It is a lovely evening so I decide to go and play nine holes at the golf club. The peak district looks fantastic in the sunshine.

Friday

I wake up early – I have to be at the radio station for 9am. The interview goes really well and I thoroughly enjoyed the experience. On my way home I pop in to see a client and pick up some documents to support his mortgage application.