In particular we focus on getting the loan structure right the first time, choosing which lenders to use in the right order (yes this is important) and finally getting our clients the best deal possible.
When you apply for a home loan, lenders look at two of the most important factors: your employment and job stability. Banks need to know how much of your spare income will be taken up by mortgage payments.
What they're seeking for is work stability, which ensures that you'll always have money coming in. Even if you have a higher-than-average monthly salary, your chances of getting approved are minimal if you can't show your job security to your lender.
The vast majority of lenders will require a 12-month employment history in your current job before they can consider you for a home loan.
