Our Mortgage Broker in Enfield Town

Burcu Kaya

Mortgage & Protection Adviser in Enfield Town, North London

I have been working for more than 3 years now as a Mortgage and Protection Adviser. I believe that my previous experience as a Paraplanner was an ideal foundation for my work as a Mortgage and Protection Adviser.

Career

While I was working in an Estate Agency that also offered financial services, I realised that Financial Services is the right career path for me. My strengths are attention to detail and good listening skills combined with strong product knowledge while helping my client to find the right deal to suit their circumstances.

Whether it is residential or buy-to-let mortgages or remortgages, when I find the most suitable mortgage solution to my clients, I also help them to protect their families, homes and income.

Career

I hold a Certificate in Mortgage Advice and Practice (CeMAP). I have a bachelor’s degree in engineering.

Interests

I am married with a lovely daughter. When I am not working, I love spending time with my family and friends.

Mortgage Advice

I know that arranging a mortgage can feel like a lot to take on, particularly when you are trying to understand different products, affordability requirements and the many stages involved in buying or remortgaging a property. My role is to make that process clearer and more straightforward.

I provide personal mortgage advice for clients in Enfield Town and across North London, taking the time to understand your financial circumstances, your property plans and what you would like to achieve.

Whether you are preparing to buy your first home, moving to a different property, looking at a buy-to-let investment or reviewing your existing mortgage, I can help you understand the options that may be available and guide you through the process. I can assist with:

• First-time buyer mortgages
• Mortgages for moving home
• Remortgaging and reviewing your current deal
• Buy-to-let mortgages
• Mortgage product transfers
• Raising capital through a mortgage, where appropriate
• Specialist and complex mortgage requirements

I believe mortgage advice should be built around the individual rather than a standard approach. Your income, deposit, existing commitments, property and longer-term plans can all influence the options available to you, so I start by getting to know your circumstances.

I will explain the relevant mortgage options in straightforward language, answer your questions and help you understand the costs and commitments involved. My aim is to ensure you feel informed and comfortable with the decisions you are making.

If you are thinking about buying or moving in Enfield Town or elsewhere in North London, or simply want to review your mortgage options, please get in touch. I would be pleased to arrange an initial conversation and discuss your plans with you.

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Mortgage Advice in Enfield Town

Enfield Town offers a varied property market, from period homes and family properties to flats and newer developments. Whatever type of property you are considering, arranging suitable finance is an important part of the buying process.

As a mortgage and protection adviser serving Enfield Town, I can help you understand the borrowing options that may be available based on your circumstances.

Perhaps you are purchasing your first property, looking for more space for your family or planning a move within the local area. You may already own a property and be considering a remortgage or need to explore finance for an investment property.

Whatever your circumstances, I will take the time to understand your plans before discussing the relevant mortgage options.

I can also help you prepare for the mortgage process by explaining the information lenders may require and what factors can affect an application. My aim is to give you a clearer picture of your options so you can approach your property plans with greater confidence.

Your property may be repossessed if you do not keep up repayments on your mortgage.

Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.

Mortgage and Protection Advice in Enfield Town & North London – Frequently Asked Questions

1. How early should I speak to a mortgage adviser when buying a home in Enfield Town?

You do not necessarily need to wait until you have found a property. Speaking to me early can help you understand your potential borrowing position, deposit requirements and the costs associated with buying a home. This can give you a better idea of your position before you begin making offers.

2. Can you help me understand how much I might be able to borrow in Enfield Town?

Potential borrowing is influenced by several factors, including income, regular expenditure, existing financial commitments, deposit and the lender's affordability criteria. I can look at your individual circumstances and explain the factors that may affect your mortgage options.

3. I am a first-time buyer in Enfield Town. Where do I start?

There is a lot to think about when buying your first property, so I can help you understand the mortgage side of the process from the beginning. We can discuss your deposit, income, affordability and plans before looking at the mortgage options that may be relevant to you.

4. Can you help me if I want to move house in North London?

If you are selling your current home and buying another property, I can help you review your mortgage requirements for the move. Your existing mortgage, available equity, new purchase price and future borrowing requirements can all be considered as part of the process.

5. What if my mortgage deal is coming to an end?

If your current mortgage deal is approaching its end, it can be worth reviewing your options in advance. I can discuss your existing mortgage, your plans and the options that may be available, including whether a new mortgage arrangement or product transfer may be appropriate.

6. Can I get a mortgage if I have had credit problems in the past?

Different lenders have different lending criteria, and a previous credit issue does not necessarily mean that a mortgage will be unavailable. I can discuss your circumstances with you and explain what information may be relevant when considering potential mortgage options.

7. Do you advise on buy-to-let mortgages in Enfield Town?

I can help landlords and prospective landlords understand the mortgage considerations associated with purchasing or refinancing a rental property. Buy-to-let mortgages can have different requirements from residential mortgages, so I will explain the relevant considerations based on your circumstances.

8. Can you help if I have a more unusual mortgage requirement?

I can discuss a range of mortgage circumstances, including applications where there are additional factors that need to be taken into consideration. If your situation is more complex than a standard mortgage application, I can talk through your circumstances and explain the potential routes available.

9. Why should I consider protection when taking on a mortgage?

A mortgage is a long-term financial commitment, so it is sensible to consider what could happen if your circumstances changed. Depending on your situation, protection such as life cover, critical illness cover or income protection may be relevant. I can explain the different types of cover and discuss the considerations that apply to your circumstances.

10. How do I arrange mortgage or protection advice in Enfield Town?

The first step is simply to get in touch. I can arrange an initial conversation to understand what you are looking to achieve and learn more about your circumstances. I will then explain the relevant next steps and guide you through the mortgage or protection process.

Whether you are buying your first home, moving in Enfield Town, remortgaging, investing in property or reviewing your protection, I am always happy to have an informal conversation about your plans.