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Virtual Adviser is not a cartoon character that pops up on a bank or building society website.
You are connected to a fully qualified adviser with access to the whole market place of lenders, providers, and services.
You arrange an appointment in the usual way.
Briefly discuss what you are looking for.
At this point you will be provided by email which list information and documents to have to hand.
An appointment will be made.
At the appointed time your adviser will call you and you view his website (he is not accessing your computer)
You can now talk via the phone whilst looking at the computer screen as if you were in the advisers office,
you can work through various scenarios, seeing results simply laid out in table format or graphs,
you can be linked directly to lenders and insurance company websites enabling the adviser to give you
the latest information and complete the application online but with the help and assistance of a professional adviser.
Any documents can either be save to your computer or print off.
Appointment is more focused i.e. less time spent drinking tea chatting about general issues.
It is possible to have a 3 way appointment where one applicant is at home one at work both
looking at the same screen both talking to the adviser.
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The above screen can then be sorted by a number of factors.
You may want to see the lowest Rate. Or the lowest setup cost,
Or what if you extended or shortened the term.
Put down a larger deposit or a smaller deposit.
You may have a budget in mind we can show how many years the mortgage would have to run to achieve that target.
We can then look at the various fees.
There are various screen shots we can go through as we discuss your requirements. Which is
usually preferable to you receiving numerous emails that may have little meaning as objective you
where trying to achieve may have changed in the course of our discussion.
Each screen shot can be saved to your computer or printed with one click of a button on the screen.
We can provide the same service for life insurance.
It may be in this example £100,000 of life insurance and £100,000 of Critical illness Cover is outside
of your budget we can adjust the critical illness to a lower amount our change the term etc.
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When you are ready to start the application, your adviser will show you the questions on your screen you then
provide the answers with the adviser giving you assistance as you together work through the application.
Virtual Adviser has all the benefits of the traditional way of receiving advice with none of the negatives.
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Traditional way. 1
You go to see an adviser.
Plus points Access to computer systems ability to see different scenarios tailor solution to your needs and requirements. Adviser there to explain products and process
Negative points.
If visiting office usually 9 to 5 meaning time of work.
If bank or building society limited product range.
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Traditional way. 2
Adviser comes to see you.
Plus points Access to computer systems ability to see different scenarios tailor solution to your needs and requirements. Adviser there to explain products and process
Negative points.
With a home visit disruption to home routine.
Possible feeling of being under pressure.
Unable to discuss with other applicant without adviser hearing.
Usually a longer appointment both parties feel there is a need to have general chat, cups of tea etc.
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On Line
Plus point access at a time to suit you.
Negative: You are responsible for choosing the product with no personal advice, multitude of pit falls many of which may not be apparent until after you are committed. With insurance when your dependents try to claim on your insurance and cannot it is too late to find out that you really needed advice.
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Adviser by phone.
Plus points you get personal advice.
Negative point: is it can be very hard to absorb information just by words, a simple diagram or graph can explain a point much easier than hundreds of words, usually very time consuming with emails sent with quotes / illustrations these may not be exactly what's required, further conversation then new quotes / illustration sent, this process can take days to complete.
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