Meet the Broker… Easy Mortgages

Meet Charles Calvert of Easy Mortgages

Tell us about your business?

Easy Mortgages started with one main objective: to make the mortgage process easier for our clients. There’s too much jargon and confusion in the industry. We’re here to make things clear and straightforward for our clients.

We can help with almost every aspect of property ownership. From first time buyers, who need extra help and care, to professional landlords who just need a great, efficient service. 

Where are you based and where do you operate geographically?

Easy Mortgages are based in Gosport, Hampshire. We help clients from all over the United Kingdom thanks to modern technology, almost everything is done via telephone and video calls. 

What are the main issues impacting your local market?

The main issue we’re finding is lack of properties on the market. We have numerous clients all at agreement in principle stage, hunting for their new home. Also, the speed of inflation and property prices is causing real problems for first time buyers trying to get onto the ladder. 

What challenges are you facing as a broker?

Property prices are increasing incredibly quickly but sadly, salaries and lenders income multiples are not. This is causing a further divide between younger, first time buyers’ incomes and the price of the home they are wanting to buy. Inflation will also cause interest rates to rise further and I’m concerned for client affordability.

When they come to remortgage after an incredibly low fixed rate, on top of the cost of living spiralling out of control it’s another pill that we will all have to swallow.  Lenders are also pulling products with little or no notice which is frustrating for brokers and clients. 

What are the main opportunities for brokers in your area and nationally?

Due to the Bank of England increasing the base rate and Inflation being at almost 10% the most important thing now is to help clients fix a new rate ASAP before they increase further.

It’s never been more important than it is now to remortgage. Some clients aren’t aware they can reserve a new rate up to 6 months in advance with a remortgage! 

There are so many clients out there on the SVR or a Tracker or with a fixed rate ending imminently that should really be looking at their mortgages right now.  This is who we should all be focusing on currently to protect them from another monthly increase. 

What could lenders do to help further your business?

Some lenders need to be clearer with their criteria. There is too much case-by-case or reviewed after full application. This doesn’t help the lender, us or the client.

They should also give us at least 48 hours’ notice when changing their products.It isn’t fair to the client or broker to pull a product immediately.  This can cause real problems and also makes the client feel rushed when they should be considering every decision carefully.  It doesn’t seem to be treating customers fairly to me. 

What sets you apart from the competition?

Easy Mortgages was started by myself after years of working as an employed broker for large companies.  I learnt my craft. I was mentored and advised by some of the top brokers and directors in the industry. I took all that I had learned from brokerages and estate agents and made a perfect hybrid of them all.

We’re honest, clear and trust worthy. We ensure our clients feel confident and informed every step of the way. We can arrange their mortgage, solicitor, survey and insurance all in one place. No jargon, No confusion. Easy…  

How should potential borrowers contact you?

Email: [email protected]

Mobile: 07368 3308822
You can also find us on Instagram, LinkedIn and Facebook:  @easymortgageslimited