Ed Frater
Mortgage and protection adviser
Ed helps first-time buyers and home movers arrange their mortgages, with a particular interest in complex income. He enjoys finding options for people who have struggled to get a clear answer about what they could borrow.
Ed’s experience
Ed has worked in financial services since 2020 and qualified in mortgage advice in August that year.
His experience includes applications where overseas work or fixed-term contracts can make someone’s employment history difficult to assess. He looks at the continuity behind that history and finds lenders whose criteria suit the client’s circumstances.
Areas of expertise
How Ed works with you
Ed starts by listening to what you want from your mortgage and where you need help. He takes time to explain the options and stays involved through the application and completion.
He particularly enjoys cases that need a closer look. When someone has been told their income is a problem, he wants to understand why before deciding which lenders to approach.
Qualifications
Certificate in Mortgage Advice and Practice (CeMAP)
How Ed helped a seafarer secure a mortgage
The situation
A seafarer with 10 years’ experience, including work overseas, was now employed on a UK fixed-term contract. Their employment history appeared fragmented on paper, and previous mortgage advice hadn’t fully considered their circumstances.
The approach
Ed reviewed the client’s income and wider employment history, identifying a lender that could take their experience into account when assessing the application.
The outcome
The client secured the mortgage amount they needed through a mainstream lender.
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