Mythbusters Archive - Patrick James Solutions

I don’t need life insurance because…

Don’t need life insurance as I have death in service…. Or… I need life insurance but not my partner, I earn all the money so if I’m gone…...

I Need an Estate agent to sell my property…

I’ve always had a strong opinion on this one, but now we are in the process of selling & buying… absolutely. This is a question we get asked a...

You found a better deal online….

You found a better deal online…. You didn’t… I’ve said it… You… Did… Not… Do you know why? Even the deal which we find you probably...

Fee Free never means Fee Free…

Fee Free means Fee Free… Nothing hidden in the small print... it is what it is... for all those in the NHS, Police or Fire Service and of course to...

The mortgage rate we have reccommended won’t change

Now I’ve spoken to you, my mortgage rate is secure… Sadly this is a myth, and sometimes catches people off guard… The only way to secure a rate...

You can’t get a mortgage if you’re a first-time buyer

Another common mortgage myth in England is that you can't get a mortgage if you're a first-time buyer. Many lenders have specific programs for first-time buyers that can help them...

You can’t get a mortgage if you’re older

Another common mortgage myth in England is that you can't get a mortgage if you're older. Age is not a barrier to getting a mortgage. Many lenders have specific programs...

You need to have a long-term job to qualify for a mortgage

Another common mortgage myth in England is that you need to have a long-term job to qualify for a mortgage. While having a steady income is important, it is not...

You need perfect credit to get a mortgage

Another common mortgage myth in England is that you need perfect credit to get a mortgage. While having good credit can help you qualify for better mortgage rates, it is...