APPOINTED REPRESENTATIVE
Michael Williams
Michael has been in the mortgage industry for 19 years. His career started when he graduated sixth form and went straight into a role with Barclays in the mortgage processing team. Michael joined John Charcol in 2014 as a trainee broker and learned the brokerage side of the business.
Michael has gained a wealth of experience from working with a lender to working with a brokerage. He has also built up a large client bank from starting at John Charcol as a trainee, before progressing to an employed adviser and now acting as self-employed JC partner.
While he was employed at JC, Michael became a sales manager running a small team of advisers before moving fully into partner status and concentrating on his own business, including building and maintaining his own client bank.
Away from work Michael loves spending time with his family. He’s also a keen football and boxing fan and enjoys running. Michael has run various London marathons and takes pleasure in living a healthy lifestyle physically and nutritionally.
Michael’s Location
Working With Michael
His training at John Charcol has given Michael a deep knowledge of the mortgage market that comes with a whole of market and specialist broker. He is now a strong consultant with experience in helping first-time buyers, buy-to-let borrowers, expats, portfolio buy-to-let clients, HMO purchases applicants and all other types of secured lending applicants and borrowers.
Michael regularly deals with high net-worth clients which make up a large proportion of his client bank. He is very flexible and can work around clients if time and work commitments dictate. Michael is not your typical 9 – 5 broker; he can work and discuss detail with clients in the evenings and weekends if needed.
Michael will take you through the process from start to finish, his main services are to provide a deep understanding of the mortgage market and be able to quickly identify a solution for his clients and advise accordingly.
Discovery and research
Michael will arrange a phone appointment or a face-to-face meeting at your convenience. This is where he’ll carry out a fact find, collecting all the required information needed, before presenting a mortgage offer that meets all your requirements.
Michael is very proactive with his communication and available on all forms of communication devices: landline, mobile, emails, WhatsApp, etc.
Pre-application and submission
Following on, Michael provides a quick process with very strong attention to detail to ensure that all documents are collected and ready before he submits your application to the lender. Michael will make sure that your application process is concluded quickly and mortgages are agreed without issues.
Process and implementation
This is where the lender will underwrite your application, verifying all of your information – this will result in you receiving your new mortgage offer and ultimately allowing you to exchange and complete.
Why Choose John Charcol?
With over 50 years’ experience within the industry, John Charcol has the expert knowledge to guide our clients through the complex process of buying a home, remortgaging, or investing in the property market. Ensuring we work with our clients through every step of the way, John Charcol also have the ability to search the whole of market to ensure we get the best mortgage for our client that meets their needs and circumstances.