Dani North at Switch Mortgage Finance

01/08/2024

📉 INTEREST RATE REDUCED! 📉

The Bank of England has concluded this month's meeting by announcing a reduction in the base rate to 5.00%. This marks the first decrease since March 2020.

This rate reduction announcement is a positive step for the property and mortgage market, marking the first interest rate cut in over four years and hopefully kick-starting the downward bank rate cycle.

For those of you on a Bank of England base rate tracker mortgage, you will see your monthly mortgage payment reduce next month! 🎉🎉🎉

If you have any questions or need advice on how this change affects you, feel free to reach out!

📞 01884 906897
📧[email protected]



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

23/07/2024

🌟 Top Tip Tuesday: Keep Your Protection Policies Updated 🌟

Life changes, and your protection policies should too. Regularly review and update your policies to match your current needs. Key times to review include:

👰 Marriage or Partnership: Update your life insurance and critical illness cover to reflect your new status.

👶 Birth of a Child: Ensure your life insurance provides enough coverage for your growing family.

🏡 Buying a Home: Review your home insurance and consider income protection for your mortgage.

💼 Career Changes: Adjust your income protection insurance to match your current earnings.

💔 Divorce or Separation: Modify your life insurance and protection plans to fit your new circumstances.

📅 Annual Check-Ups: Review your policies annually to keep your coverage up-to-date.

Stay protected and ensure peace of mind for you and your loved ones.
Need help? I'm here to assist with all your mortgage and protection needs.

📞 01884 906897
📧[email protected]



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. THERE MAY BE A FEE FOR ADVICE.

22/07/2024

🎉 GIVEAWAY WINNER ANNOUNCEMENT! 🎉

I'm thrilled to announce the winner of our competition for £200 worth of Virgin Experience Day vouchers! 🌟

A huge congratulations to PAULA HUNT! 🎊 You've won an incredible opportunity to choose from over 4,000 amazing adventures across the UK and beyond.

I hope you have lots of fun spending it, and I would love to hear what you spend it on. 🥳✨

Thank you to everyone who participated! Stay tuned for more exciting giveaways and offers. 🙌🎁

📞 01884 906897
📧[email protected]



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

22/07/2024

We absolutely love village life here in Devon! 🥰

Had a wonderful weekend as our village hosted its annual Village Day yesterday!

Jeff was a cheeky little rascal and managed to come 3rd in the naughtiest dog category 🐶, while Roxi proudly took 2nd place for the best Basset in our very own version of Crufts 🐾.

My eldest, along with his best mate, dressed as the Mario brothers and won a trophy for the best crash – they thoroughly enjoyed it and are already planning next year’s cart! 🚗💥

The day was filled with fun – bouncy castles, face painting, a scrumptious hog roast, live music, and fantastic company! The village hall was open for drinks, with plenty of beer 🍺 and sunshine ☀️ adding to the atmosphere.

A huge thank you to everyone involved in making the day so amazing 🤩

How was your weekend? Are you ready to take on the week or crashing in like my our Mario brothers? 😆

📞 01884 906897
📧[email protected]



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. THERE MAY BE A FEE FOR ADVICE.

20/07/2024

What Happens if Mortgage Rates Come Down and Deals Change After You've Applied?

FOR MOVERS:
If you haven't exchanged or completed on your mortgage, there's good news! 🎉 I can take advantage of lower rates that become available. 📉

- If the rate drops with the lender you have applied with: I can amend your application or mortgage offer without further underwriting. ✔️📝
- If the rate drops with a different lender: A new application and underwriting will be needed, so this depends on timeframes and restrictions of reapplying. This could also involve fees from the new lender. ⏱️💸

So, as long as you haven’t exchanged or completed, I can continue to review your rate for potential savings! 💰🏡

FOR REMORTGAGERS:
With remortgaging, I recommend looking at your options 6 months before your current deal expires. 📅⏳ If you don't, your lender will roll you onto their standard variable rate (SVR). ❌📈

SVR is an interest rate that the lender sets at their discretion, and it can vary each month! 📊 If interest rates rise, you could end up paying much more in interest than necessary. 😱💷

By locking in a new deal 6 months before your current one ends, you avoid going onto an SVR and can protect yourself from interest rate rises. Plus, I'll switch your rate to a new one before your mortgage is due to complete if rates go down. 🛡️🔄

I constantly monitor changing rates and will switch your rate to a new one if they fall, let me do all the shopping around for you to find the most competitive rate for your circumstances, saving you time and money. ⏰🏦

📞 01884 906897
📧[email protected]



The above information was accurate at the time of writing but please keep in mind that mortgage lenders are constantly updating their eligibility criteria and rates – so, these details can be subject to change at any time. Speaking to a mortgage broker is the best way to find the most up-to-date deals. There may be a fee for advice.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Independent mortgage broker based in Devon, here to help you with your mortgage and protection needs

19/07/2024

🚀 Mortgage Rates are Lowering! 🚀

Many lenders, including Halifax, Accord, Bank of Ireland, Skipton, Clydesdale, Virgin Money, TSB, Santander, and NatWest, have announced rate reductions this week. 📉🏦

This comes despite some experts predicting the Bank of England is more likely to make its first base rate cut in September rather than August. 🕰️💼

But it's not just about the rates—the lowest rate isn’t always the best deal for you. That’s why speaking to a broker is the best thing to do. I can help find the right mortgage tailored to your needs.

Whether it’s your first home, an upgrade, or a remortgage, it’s a good time to chat! 💷🏡

Let’s make your homeownership dreams come true! 🌈🏡

📞 01884 906897
📧 [email protected]



The above information was accurate at the time of writing but please keep in mind that mortgage lenders are constantly updating their eligibility criteria and rates – so, these details can be subject to change at any time. Speaking to a mortgage broker is the best way to find the most up-to-date deals. There may be a fee for advice.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

18/07/2024

Thoughtful Thursday: Your Safety Net

Have you ever considered what would happen if you couldn't work due to illness or injury?

In the UK, nearly 2 million people are off work for over 3 months due to health issues each year (source: Association of British Insurers).

Income protection can provide a financial safety net, ensuring you can focus on recovery without the added stress of financial worries.

Let's talk about how we can keep your financial health secure. 💼🔒

📞 01884 906897
📧[email protected]



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. THERE MAY BE A FEE FOR ADVICE.

15/07/2024

Just one week to go before I announce the winner of my competition! 🎉

Thank you to all who have entered 🤞🤞🤞

12/07/2024

❓ Why do I spend hours on hold and in live chats with lenders?

It's simple – so you don't have to! 🙌

As your dedicated mortgage broker, I handle the nitty-gritty details, the endless calls, and the live chat marathons with multiple lenders.

I go to great lengths to find the right deal for you. The more complex your needs, the harder I work to ensure everything is perfect. 📞💬

This way, you can focus on what truly matters to you – be it spending time with your loved ones, working on your passions, or simply enjoying a peaceful cup of tea. ☕️

Leave the legwork to me and rest easy knowing that I'm here to find you the best deals and smooth out any bumps in the road. 💼

📞 01884 906897
📧 [email protected]



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

10/07/2024

🌟 My Promises to You 🌟

At Switch Mortgage Finance, I take pride in providing exceptional service to all my clients.

Here are my three promises to you:

1. Communication: I offer a clear line of communication from start to completion and am readily available to answer any queries or questions you may have.

2. Service: I constantly monitor the ever-changing landscape of mortgages, interest rates, product deals, and incentives, ensuring you get the best options available, tailored to your specific needs and circumstances.

3. Support: As an expert in the mortgage world, I will help you navigate the process at every stage of your journey, ensuring a smooth and stress-free experience.

There is a reason why my clients have rated me 5* on Google.

Contact me today to discover how I can help you find the best mortgage solutions for your needs. 🏠✨

📞 01884 906897
📧[email protected]



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. THERE MAY BE A FEE FOR ADVICE.

10/07/2024

4 bed detached house for sale in Hanover Gardens, Cullompton, Devon EX15, selling for £395,000 from Keller Williams. See property details on Zoopla or browse all our range of properties in Hanover Gardens, Cullompton, Devon EX15.

09/07/2024

Top Tip Tuesday: Boost Your Mortgage Affordability with Overtime and Commission! 🚀

If you're employed and receive overtime or commission on top of your basic salary, I've got some great news for you! 💷

I can use that to boost 🚀 your mortgage affordability.

Lenders usually take an average of the last three months of your extra income, and I'll work that out for an annual figure 💷

If your Year-To-Date figure on your payslip tallies up, then many lenders will allow us to include that extra income in your mortgage affordability calculations. 🔢

Lenders typically cap how much they consider, usually between 50% to 70%. However, a few might accept 100% of your commission and bonus income, although this requires more stringent criteria and evidence to prove it is sustainable. 📊

💡 IMPORTANT: When thinking about your affordability, make sure to keep this separate from your basic income, as they are treated differently. ⚠️

💬 If you have any questions or would like help calculating how much you can borrow, please reach out.

📞 01884 906897
📧[email protected]



The above information was accurate at the time of writing but please keep in mind that mortgage lenders are constantly updating their eligibility criteria and rates – so, these details can be subject to change at any time. Speaking to a mortgage broker is the best way to find the most up-to-date deals. There may be a fee for advice.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.