CDG Financial Services has launched a dedicated mortgage advice service in response to growing client demand.
As part of the move, we have appointed mortgage adviser Julia Hoyes who has more than 20 years’ experience in residential and buy to let mortgage advice.
Julia, who was a personal relationship manager for NatWest for many years, has also worked as a self-employed mortgage broker.
In her new role she will assist Lee Tabreham, CDG’s resident mortgage expert, in growing the mortgage team’s client portfolio which features lettings agents, property developers, solicitors and accountants as well as residential borrowers.
Over the next two years, we also plan to appoint a further three experienced mortgage advisers, taking the team to five.
Julia, who is originally from West Bridgford but now lives in Wilford, has seen a steady rise in the number of new home loan inquiries as more products come on to the market.
She said: “There’s definitely been a change. A few months ago, remortgages accounted for a higher proportion of my workload but now they make up about fifty per cent of it. I’m also dealing with more borrowers looking to buy to let.”
Although lenders are making it easier for parents to help their children buy a first home, most first time purchasers are entering the market without parental financial assistance, Julia added.
“In my experience, they are are saving up for the deposit themselves although there are now a lot more financial products available to help families. Most first time buyers are leaving it a little later though before taking that initial step on the housing ladder, with most waiting until they’re in their late twenties or early thirties.”
Julia, a Nottingham Forest fan, recently became engaged to partner Phil, who is a lifelong Notts. County supporter. However, as the daughter of the late former Notts County footballer Colin Guyler, Julia is happy to watch both teams.