Business Profile: Mortgage & Insurance Matters
Contact: Clare McEnhill
Business: Mortgage & Insurance Matters
E: info@mortgageandinsurancematters.com
M: 07788 717527
Can you describe your business?
Mortgage and Insurance Matters provides specialist advice on all aspects of mortgages including first time buyers, remortgages, home movers, self build and buy-to-let mortgages. Out there in the market, there is a bewildering range of mortgage deals and we are dedicated to helping clients make the right choice. We source mortgages from the whole of the market place to find the mortgage that is especially right for your needs. We also guide clients through a range of home insurance and life insurance choices too, helping protect their mortgage, home and family, giving peace of mind. Mortgage and protection applications are managed and progressed from submission right through to completion, making the process hassle free for clients. We have access to lenders and providers not available to the general public. In addition, as part of a large network which ensures that clients are getting the best advice, we have access to exclusive deals which are not available directly to the general public.
Why did you start your own business?
I took a leap of faith in 2012 and started my own business. Throughout my twenty plus years in financial services, giving face to face advice to clients has always been the most rewarding part of my career. I’ve been in financial services since 1994, firstly as an adviser with Alliance & Leicester Building Society and then management roles in training and compliance for a decade but my passion has always been dealing directly with clients. Self-employment appealed to me as I liked the idea of being my own boss, having control over my working hours and my potential earnings. I always had an interest in starting up my own business and working for myself so when I decided to start advising again, self-employment was the obvious choice. It’s a great feeling putting my skills and experience to good use and continuing to grow these as I grow my business.
What are the best things about running your own business?
The best thing about running Mortgage & Insurance Matters is the satisfaction and reward it brings when I help clients like first time buyers get on the property ladder, facilitating clients moving or building their own home and helping clients save money on their existing mortgages. It’s also comforting and rewarding to know that I’ve provided clients with protection advice and solutions that will allow them to remain in their home regardless of what unpredictable or unthinkable circumstances life can throw at them. Giving the right advice is key to growing a successful business.
What are the main challenges facing the business?
The mortgage industry is never boring. Whether it is regulatory or government policy changes, world affairs or market conditions there will always be challenges. Rising inflation could push the interest base rate up and now is the time for clients who are currently paying a mortgage on standard variable rate (and many don’t realise they are) to get advice on the competitive range of fixed rate mortgages available out there. At the end of last year we said goodbye to the help to buy guarantee schemes, but many lenders are still offering 95 per cent rates and first time buyers should seek advice on what’s available to them.
What advice would you give to someone starting a business?
If you’re passionate about your work and enjoy what you do, then go for it. Your enthusiasm will rub off on people and potential customers. Do a business plan and set goals!
Can you describe your experience of running a business in three words or less?
Satisfaction, reward and flexibility
