When we decided to purchase our first home, we started looking around for a mortgage broker to help us in securing the required finances. From the internet research and discussions with friends we started getting the information about the mortgage brokers but felt there is something missing i.e. 'human touch!!', it seemed like dealing with broker is a mechanical process where you tell them what you want and they will work out the financial logistics for you as per your guidance.Whereas being new to this whole process, we wanted someone who can understand what we want and then guide us and help us throughout the process.
After reading through the Property Twins story, I dropped them a message and next day I got a call from Mona. What we liked immediately was that she was patient, wanted to know about us and instead of hurrying to secure a client she wanted to listen to our plans, short & long term, and recommend the way forward accordingly. From the day we got in touch with Property Twins, it took us good 8-9 months to arrange the initial deposit, find the property, arrange the loans etc and Mona has been our 'go to' person during this.
She has been ever helping, guiding us throughout the process, be it pre-approval, final approval, completing the application & contract documents, following up with the bank for approvals & contract documents, recommending the solicitor etc. Knowing that you have a broker whom you can call without hesitation, asking sometimes very basic, sometimes even silly questions really helps. Mona has been very supporting and patient in answering all our questions, be it 'what is the difference between pre-approval & final approval', 'Do i need to have additional money for stamp duty before settlement', ' Is it ok to put the deposit in solicitor's trust account', 'Hi!! I have these two check boxes, which one to check "Anyone to sign" or "Any two to sign" ' and the list goes long...
In a nutshell, it has been a great experience working towards our first family home with Mona, her practical knowledge, patience and prompt feedback has been very helpful and we will recommend the Property Twins for anyone looking to secure finances for their property and definitely whenever we venture into the property market again in future we will just pick up the phone and give them a call straight away.
- Masood Bakhtyar and Fatima Hasnain