Go to every Mortgage Adviser in town - it is well known that every time a credit check is ran on you a “footprint” is left. When banks review your credit they see these footprints and assume that you must have been declined - or else why would you be asking them for money?

all First Time Buyers set off with the intention that they will shop around until they find the perfect property. Unfortunately the perfect property doesn’t exist, and some amount of compromise is always required. Don’t view so many houses that you begin to forget why a certain place was once your favourite. The same applies to mortgage deals if you read too many articles and sit with too many advisers your head will start to go round and round in circles. This feeling is paralysis by analysis. Eventually you will be so scared to make the wrong decision that you won’t make any decision at all. To combat this just set your stall out at the beginning, i.e. if you want a 3 bed with ORP in a good area then stop when you find it. Don’t wait for the perfect 3 bed with lots of ORP in a fantastic area.

Overstretch themselves - the simple rule to follow is go for the cheapest property you will be happy in. Stick to the traditional 2.7 times joint earnings for your mortgage. It is better to live in a lesser home and have a life than to live in a mansion but have spam for tea every night.

Say no to life insurance - as a FTB it is likely that you will have no life insurance before you take out your first mortgage. Many FTB’s leave it that way as they feel that it something they don’t really require. However there comes a time in everyone’s life when they want life insurance. It usually comes when you have children, or when you have a health scare. Now be aware that Life Insurance isn’t always cheap. A £10 policy at age 21 will be considerably more expensive when your aged 41. I am the Tightest Man in Britain and I can still see that life cover is a necessary evil.

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Savvy real estate agents use call capture hotlines to generate leads and convert leads to sales all over North America. They are a powerful tool. But like any other tool, if you don’t know how to use it you will not get the results you want. Here are 3 secrets successful users of call capture know that will increase your lead generation and conversions.

So if they are so flexible and widely used, why don’t they work for everybody? Call capture hotlines are a tool just like any other. If you don’t know how to use it, you will not get the results you seek. If, however, you educate yourself on how to use that tool you can use it to get the results that you seek and more. Here are 3 secrets experienced and successful users of call capture hotlines know and use to increase leads and conversions:

1. The Right Copy Will Encourage Calls. When it comes to ad copy there is a certain psychology that you need to employ if you want to encourage people to pick up the phone and dial your toll free number. Statistics show that people looking to buy a house want “Free 24 Hour Recorded Information”. Let’s break it down:

FREE - 90% of Americans report using a toll free number and studies show that using a toll free number in your advertising can increase your response by 30%.

24 HOUR - 94% of people looking for a new home do so at odd hours of the day or night.
RECORDED - 53% of home buyers avoid calling a real estate agent for fear of getting into a high-pressured sales pitch.

INFORMATION - 88% of home buyers browse neighborhoods in their cars looking for homes for sale. 94% of people find it important to have access to home information as they browse from their vehicles. Luckily, 78% of people carry a cell phone.

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