Page 38 - ESPC Magazine - August 2021

MORTGAGE ADVICE ESPC PROPERTIES

MEET SHIRLEY

We sit down with the newest member of ESPC Mortgages, Shirley Mushet, to find out
more about her advice for buyers and what she loves most about her job.
YOUR SEARCH STARTS HERE

HOW CAN YOU HELP THOSE BUYING A
HOME? Our new-look property section highlights just some of the stunning
I help people find the right mortgage lender homes now available with ESPC solicitor estate agents.
Which one of them could be yours?
and product for their individual needs, then
liaise with the lender until an offer is issued.
It’s important to me to offer moral support;
in a buoyant market, clients can find it
demoralising when things don’t go to plan.
I’m a sounding board too; for example, some
properties are acceptable to some lenders
but not others, so I explore every avenue. Keep your address up to date on important
documents, and make sure you’re on the
electoral roll.
WHY ESPC?
It goes without saying that ESPC is the go-to I’m a firm believer in the sentiment ‘If you
trusted property brand in Edinburgh and it don’t shoot, you don’t score’, meaning ‘If you
fits perfectly with my own principles of doing don’t put an offer in, you’ll never know’. As
the best job I can. most solicitors don’t charge for unsuccessful
bids, if you really love a property don’t
WHAT ADVICE WOULD YOU GIVE TO assume others will outbid you. You never
FIRST TIME BUYERS LOOKING TO GET A know, that might just be the one you are
MORTGAGE? successful with!
Start discussions with ESPC mortgage
advisors early on; I can give you advice to put WHAT DO YOU ENJOY MOST ABOUT
you in the best position possible for offering. YOUR JOB?
Additionally, do your homework; view I still get more excited about a client’s
properties virtually and get a feel for what property journey than about my own! The
you can afford and where. really great part is helping people realise their
dream home.
WHAT ARE YOUR BIGGEST DOS AND
DONT’S FOR CLIENTS? ESPC mortgages offer expert independent
Look after your credit! If possible, don’t take mortgage advice in Edinburgh. Get in
out large amounts of credit, and don’t miss touch with the team on 0131 253 2920 or
payments on credit. fsenquiries@espc.com

The information contained in this article is provided mortgage advice are usually £350 (£295 for first-time
in good faith. Whilst every care has been taken in the buyers). YOUR HOME MAY BE REPOSSESSED IF YOU
preparation of the information, no responsibility is DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR
accepted for any errors which, despite our precautions, it OTHER LOANS SECURED AGAINST IT.
may contain.
ESPC (UK) Ltd is an Appointed Representative of
The initial consultation with an adviser is free and without Lyncombe Consultants Ltd which is authorised and
obligation. Thereafter, ESPC Mortgages charges for regulated by the Financial Conduct Authority.

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