Mojo supported us to make the right choices

Moving home involves a lot of moving parts. When Gina and her family decided to buy a property back in their home town, she knew she wanted to work with a broker to support them in making the right mortgage choices.

Though they had previously owned a property before, the family had been living in team accomodation for a while. They were - like many home movers - concerned about getting a mortgage. Having an expert on hand to help them get a clearer understanding of their affordability and the mortgage options available to them was invaluable.

The key ingredients to finding the right broker

• People-focused digital service

Having moved locations fairly regularly, Gina wasn't particularly familiar with her local area and understandably didn't fancy working with a broker based far away that required frequent travel to and from their offices. With Mojo, Gina was able to connect with a broker over the phone, whilst being able to upload documents and receive regular updates digitally.

• Supportive

It was important to Gina that the quality of service wasn't compromised when working with an online broker. Getting passed from pillar to post was only going to add to the stress of moving. Having a cohesive, dedicated team of experts to support was key.

• Knowledgable

As almost anyone who has bought a house will know, there's often anxiety around getting a mortgage. How much can you afford? Which lenders will accept you?

Mojo's in-depth knowledge of lender criteria gave Gina the peace of mind she needed. Her Mortgage Expert, Matt Stubbs, recommended options that suited her family's budget and individual needs.

• Empathetic

Matt, Gina's dedicated broker, was reassuring and empathetic throughout the process, from the initial recommendation right through to ensuring their mortgage was in place ready for completion. Really getting to know the family's circumstances and their motivation for moving enabled Matt to offer a truly tailored service.

• Communicative

Family life can be busy, particularly once you throw in a house move into the mix! The Mojo team understand the importance of being flexible, and ensured that all of Gina's mortgage appointments were at a time that suited her schedule.

Getting the right mortgage in place for the perfect property

House hunting is exciting, but complicated - particularly when the property market is volatile. So it's key to understand exactly what your budget is.

Our team ensured Gina and her family received an expert-verified Mortgage in Principle (MIP), which stated their maximum borrowing potential so they could approach their property search with confidence. Having a MIP in place supported their property negotiations, too, showing estate agents and sellers the family were finacially ready to buy.

With help from the Mojo team, Gina and her family secured the right house within budget.

The right rate, at the right time

Gina wanted to move during the school holidays to minimise disruption for their young family. That meant lining up her mortgage in advance and ensuring it was ready to kick in on her chosen completion date. The Mojo team worked hard behind-the-scenes to make it happen so Gina could focus on her big move.

Of course, comparing mortgages and locking in a rate in advance is a sensible move - it provides peace of mind and allows plenty of time for the mortgage application to progress smoothly. But what if the chosen lender subsequently reduced their rate?

Not a problem here. With Mojo's Rate Check Promise service, we automatically checked Gina's chosen mortgage deal daily and alerted her when her lender lowered their rate. She was able to instruct us to move her onto the new, lower rate, saving her money and giving her family extra reassurance they were on the best possible rate for their chosen mortgage product.