Meet the Broker – Jamie

What Does A Mortgage Adviser Do? (Meet the Broker)

At Kentfield Private Finance, we know that securing a mortgage can feel like a complex journey. In this Q&A session, we sit down with Jamie Rigby to explore exactly what a mortgage adviser does and how professional guidance can make all the difference.

Whether you are buying your first home, looking at complex refinancing, or protecting your family’s future, this article will explain how we work to find the right solutions for our clients.

What does a mortgage adviser and mortgage broker like Kentfield Private Finance do?

A mortgage adviser at Kentfield Private Finance is here to help private clients secure a mortgage and arrange suitable life protection for a wide range of requirements. Whether you are moving house, buying your first home, refinancing onto a better deal, or financing home improvements, school fees, or a holiday home, our job is to arrange the financing.

We also ensure you have the appropriate level of cover so that if the worst should happen, you and your family are protected.

What does a typical day look like for you?

There really is no typical day because every client and property is different. I might have clients updating me on a house purchase, buying agents making introductions or existing clients discussing a remortgage.

Since we are based in the Cotswolds, we deal with many unique properties. If a property is unusual, I like to see it for myself so I can better discuss it with lenders. The rest of my day is filled with client meetings – which is my favourite part of the job because it is where I truly get to understand what people need.

What’s the difference between going to a mortgage broker and speaking to a mortgage adviser like yourself versus calling up a high street lender?

If you go directly to your own bank, you have no way of knowing whether the deal being offered is competitive. Their processes are often very regimented and can take weeks, only for you to potentially be turned down at the last minute.

In a fast-moving market, that wasted time can cost you money in higher interest rates. When you speak with a broker, we can help identify suitable lenders for your circumstances because we understand each lender’s criteria.

We ask the right questions about your income and finances early on to be efficient with your time and ensure we structure the mortgage in a way that is tailored to you, such as offering part interest-only options that a high street lender might not provide.

What services do you offer at Kentfield Private Finance? What’s your expertise?

We have seen what works and what does not from a lending perspective many times before. Part of our service includes arranging mortgages for unusual properties, including those with large acreage, where high street banks often have strict lending limits.

We also help clients with more complex financial circumstances, such as hedge fund managers with multiple income streams or self-employed consultants.

Additionally, we have significant experience helping families manage mortgages alongside private school fees and understand which lenders will take these financial commitments into account.

What is your favourite type of client or customer? Do you have any examples or case studies to share?

While there are no favourites, there is particular satisfaction in helping clients who believe their circumstances are too complex for a high street mortgage. It is rewarding to take clients with more challenging requirements and, through our knowledge, secure a suitable high street lender with a good rate.

We take pride in finding the right fit for each client’s circumstances, identifying the building society or private bank that aligns with their individual situation.