Erin Rowe Claimed

Straker Financial Services

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Thank you for visiting my listing.

I am local to North Devon but I am able to assist as your Mortgage Adviser nationwide.

I am proud to be a part of the Straker Financial Services family, a family-run financial services business that adheres to the motto, “treat people how you wish to be treated”. With this guiding principle, I am committed to providing you with professional, friendly, and honest advice to help you decide the right mortgage and or protection policy.

With a decade of experience in Conveyancing and working with Estate Agents, I have a comprehensive understanding of the various angles of the property market. I will of course apply this knowledge to my role as your Mortgage Adviser, ensuring you receive the best products tailored to your specific needs.

Whether you’re a first-time buyer, seeking an additional property, considering a remortgage, looking for advice on how to protect your income and family financially, or simply exploring your options, please reach out to me via message or phone call where I am more than happy to guide you through the process. With access to an extensive network of over 12,000 mortgages and 90 lenders, you can rest assured that you will come away with the best deal suited to you.

Q How much can I borrow?

The cost of the property you have your sights on.
The size of the deposit you are able to provide.
Your income and its relation to your overall financial situation, including existing commitments.
By carefully considering these elements, you'll be better positioned to navigate the borrowing process with confidence and clarity.

Q How to prove what income I have?

For Self-Employed Individuals: The most convenient way to verify your income is through the submission of your self-assessments to HMRC. Typically, two to three years of these records will be required.

Bank statements for the past 3 months will also be required.

Q Do I need insurances with my mortgage?

Buildings Insurance:
Your mortgage lender will require that buildings insurance be in place upon taking possession of the property. This ensures protection for both you and the lender against unforeseen events affecting the structure.

Additional Coverage (Recommended):
While not mandatory, we highly recommend considering additional coverage options to safeguard yourself and your loved ones:

Life Insurance: Provides invaluable financial protection for your family in the event of unforeseen circumstances.

Critical Illness Cover: Offers financial support in the event of a serious illness or condition.

Income Protection Insurance: Ensures a steady income stream in case of unexpected job loss or disability.

Taking these steps helps provide comprehensive protection and peace of mind for you and your family.

Should you have any questions or require further guidance regarding insurance options, please feel free to reach out. We are here to assist you every step of the way.

Q Why use a Mortgage Broker

Limited Product Range:
Directly engaging with a lender means you'll only be presented with their specific range of mortgage products. This may result in you missing out on potentially better or more cost-effective deals available from other lenders.

Personal Liaison and Complexity:
Dealing directly with a lender entails engaging in discussions and negotiations yourself. This process can be time-consuming and at times, complex.

This is where a mortgage broker steps in. They possess the expertise to decipher industry jargon and ensure you are presented with a comprehensive view of all available options. This invaluable service has the potential to save you a considerable amount of money.