August’s broker of the month is David Ewington, who was recently promoted to Senior Broker. Dave is a valued member of the Enness Mortgages team; we sat down with him to find out more about what drives his success.
How long have you worked at Enness?
I originally worked broking high street deals in June 2014, before joining Enness in October 2015 because I was keen to work on bigger and more bespoke mortgages.
What made you want to become a mortgage broker?
I was training to be an Independent Financial Adviser after University, and the first part of that involved taking my mortgage exams. I was keen to start meeting with and advising clients as soon as possible and have always had an interest in the property market so mortgages seemed a natural fit.
You frequently work with expat and foreign national clients; why is this?
In any job, I think it’s important to feel challenged on a daily basis. I was seeking a challenge when I joined Enness, and I particularly gravitate towards expat and foreign national cases because no two clients are ever the same. Working with clients internationally adds another dimension to their requirements and certainly keeps things interesting! The weakening of the Pound has led to an increase in enquiries, and due to the nature of the expat community, I frequently receive referrals for new clients from clients I’ve helped previously.
What’s your key strength as a broker?
One of the most rewarding things about my job is structuring, negotiating and ultimately delivering a creative solution that neither the client nor lender had considered.
I like to take a more holistic approach to my advice; listening and understanding wider circumstances and motivations are crucial to achieving the ‘out of the box’ solution that many Enness clients need.
Have you been working on anything interesting recently?
I’m working with a number of seasoned property investors at the moment, who are looking to expand their portfolios before the impending changes to underwriting rules for portfolio landlords in September. Whilst the Prudential Regulation Authority’s (PRA) clock is ticking, these clients are savvy, rate sensitive and demand commercially attractive options—a challenge I’m very much motivated by.
If you could live anywhere in the world, where would it be and why?
If I was to leave London it would have to be somewhere with plenty of sun and good food, possibly somewhere in the Far East…
You’ve recently been promoted to senior broker – what’s your next step?
I would welcome the opportunity to work abroad in the future, so Enness’ continued international expansion is an exciting thing to be a part of.