From the ashes of the pandemic have risen many incredible success stories against all the odds.  Local businessman, Stephen Byfield did what many won’t – he chose to leave his long-term career at a highly successful, national mortgage-brokerage, at a time when many were facing the risk of unemployment and pending furlough. 

Mr Byfield comments, “I’ve always had a passion for helping people and for many, securing a mortgage is one of the most stressful things they will do.  There are so many things you need to line up and if you’re not exceptionally organised, the task can be daunting.” 

He says that his new business, operating under the Just Mortgages framework, has seen huge growth, despite the pandemic.  He is now working with local people to help them secure mortgages, at a time where the market has become increasingly competitive. 

Mr Byfield told us, “I have never known the market to be so competitive, where estate agents are actually demanding that potential buyers prove their ability to get a mortgage before they are even allowed to view or join the waiting list for properties.” 

He says he has built a strong client base in and around the Standish and Wigan area, with many being repeat customers and some who are referring friends and family.  “Referrals are what my business is built upon and because I operate a highly personalised business model, where I offer impartial advice, my clients know that their only task is to pick up the phone to me and I will sort absolutely everything. 

It really is a one stop shop”. But is now a “good time to buy?”   He says that even though house prices have soared, there is still little evidence that there is a bubble.  He believes that the demand in the property market is fuelled by the low finance costs available to buyers and that has been further compounded by the Stamp Duty holiday. 

He believes now is a great time to secure a low cost mortgage.   

Contact Stephen 07882 516434