Meet Austin

With over twenty years experience in the financial services industry, Austin arranged his first mortgage in 2003.

Integrity is the cornerstone of his business, he believes a mortgage should be about building a long term relationship, to help borrowers achieve long term goals, not just a transaction.

Austin takes a consultative approach to the home loan process customising each solution and providing clear, concise advice. He offers appointments at your convenience, including evenings and weekends, in person, via phone or via zoom.

We asked Austin to answer a few of our questions...

What tips do you have for mortgage borrowers to see out this cost of living crisis?

“From now until the end of 2024 looks challenging, I know that many borrowers have already cut back expenditure. Lenders are offering to extend mortgage terms, change payment dates, allow interest only payments for a limited period to help.

“Switching to a fixed rate, carrying out a debt consolidation exercise can help balance the monthly budget.”

How do you see interest rates being affected?

“Interest rates are expected to remain high until the summer of 2024, from quarter three of 2024 expect interest rates to start reducing. The expectation from that point on is that interest rates will fall gradually for the next five years.”

What tips do you have for First Time Buyers?

“Know your credit file. Have a budget. Get pre-approved. And I absolutely must stress the importance of a home inspection.”  

austin@geniusma.com   01452 221 080   www.linearfs.com