The 13th June is a very important date in the world of KB Mortgage Services. It marks the anniversary that our mortgage advisor business was born – and this year we’re three!
To mark the occasion, our founder Kate has answered some questions about starting a business, some pieces of advice about the property market and she even lets us know what her dream home is…
1. Why did you become a mortgage advisor?
I actually fell into becoming a mortgage broker because I was working as a negotiator in an estate agency and was asked if I would like to become an advisor. I jumped at the opportunity, because it would mean I was a big part of helping clients get in to their new home or purchasing their investment.
2. What’s the one piece of advice you’d give to someone starting a new business?
Believe in yourself. I struggled with this in the beginning and still doubt myself sometimes. But it’s true, if you work hard and put your mind to something, you can achieve it.
3. What do you wish you’d have done differently in the past three years?
I don’t think there is anything I would have done differently, I’m still learning three years on. However, the work-life balance is what I struggle with the most.
4. Are there any people who’ve inspired you over the last three years?
Everyday I’m inspired by the clients I meet and the businesses I work with. I love to hear people’s stories. People learn from people and it’s great to encourage one another.
5. What’s the best thing about being your own boss?
Not answering to anybody and knowing that the only person putting the pressure on is myself. I can be flexible with my diary and work the hours that suit my clients, but I can also take time back if I need to.
6. What’s the worst?
Being responsible for all of the decision-making. Time management can also sometimes be a struggle, as it can be hard to fit everything in to my day.
7. What are your plans for the next 12 months as a mortgage advisor?
To keep building relationships and take my first step in growing the business.
8. Give one piece of advice to people who want to buy their first home in the next 12 months
Save as much as you can, and then when you feel that you are nearly there, speak to an advisor so that you know everything up front before finding a property – including how much you can borrow once you’ve factored in your income and expenditure.
I always say, view as many houses as possible as you will know when you’ve found the right one. Wait until you have that feeling.
In this blog I’ve also provided my nine main tips for first-time buyers.
9. Is Buy to Let still a good opportunity?
Definitely. As much as things have changed including tax, I still think property is a great investment. Here are some of my tips on becoming a first-time landlord.
10. Describe your dream property
My dream home would have an open-plan kitchen/diner with bi-folding doors opening on to a landscaped garden, as I like the idea of being able to entertain my friends and family.
I would also love a large master bedroom with an en-suite and dressing room. I like modern houses with character features.
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