Stephen Carleton - Mortgage Adviser

19/02/2024

WHY IS NOW A GOOD TIME TO SPEAK WITH US?

There's been a lot of movement in the mortgage market over the past few weeks, which may leave you with questions about your mortgage and financial circumstances.
Whether you're thinking about remortgaging, buying your first home or have any questions our advisers will always have the expert advice you need!☎

16/02/2024

Why use a mortgage broker?
When looking for a mortgage, should you use a mortgage adviser or go directly to a bank or building society? Read on to find out why you should get mortgage advice from an expert.
https://www.mortgageadvicebureau.com/getting-a-mortgage/why-use-a-mortgage-broker/?branch=49

15/02/2024

How do you create a financial safety net if illness stops you working?
Many of us do not consider how we would manage until a diagnosis forces the question.
As well as coming to terms with what it means for health, there are serious financial implications for those no longer able to work!
Are you and your family protected?

https://www.thisismoney.co.uk/money/bills/article-13052197/How-create-safety-net-family-illness-stops-working-Kings-cancer-diagnosis-left-asking-vital-question.html
https://www-thisismoney-co-uk.cdn.ampproject.org/c/s/www.thisismoney.co.uk/money/bills/article-13052197/amp/How-create-safety-net-family-illness-stops-working-Kings-cancer-diagnosis-left-asking-vital-question.html

King Charles (pictured) , as he steps back from official duties due to his cancer treatment, does not have to worry about loss of income

14/02/2024

MAB are feeling the love 🥰🥰🥰👨‍👩‍👧‍👦 on this special day!

12/02/2024

Cancer waiting times in 2023 worst on record in England "With over three million people in the UK living with cancer and an ageing population, this is only set to rise."

Proportion starting treatment within 62 days in England drops to new low after 11 years of decline.

09/02/2024

Valentines day brings out the love, so lets look for that property to fall in love with and make it your dream home!🥰🥰🥰

https://pinpointproperty.com/property/ballygomartin/pq136425/233-ballygomartin-rd-ballygomartin-belfast-bt/

08/02/2024

We are very upset to hear the news of Jonnie Irwin but it reminds us that cancer is not defined by age.
Do you have the ones you love PROTECTED.

I’d love to say I wasn’t made aware of CI cover… it just seems ridiculous I didn’t take it out’ – Jonnie Irwin
Irwin urged listeners to contact their financial adviser to discuss critical illness cover to give themselves and their family “peace of mind”.

And he revealed his regret at not following his adviser’s recommendation to get protected and recognised the futility of his reasoning for not following through.

https://healthcareandprotection.com/id-love-to-say-i-wasnt-made-aware-of-ci-cover-it-just-seems-ridiculous-i-didnt-take-it-out-johnnie-irwin/ #:~:text=Had%20to%20work%20without%20CI,got%20to%20feed%20my%20babies.

Property expert and former A Place In the Sun presenter Jonnie Irwin has revealed his regret at not taking out critical illness cover following conversations with his financial adviser and a subsequent terminal cancer diagnosis. Speaking on AIG Life’s first OneChat podcast, Irwin (pictured) discus...

09/01/2024

Changing the term of your mortgage can be a practical solution for managing your finances and adapting to life's changing circumstances.
Some of the reasons why homeowners may choose to change their mortgage terms are:
💰 Potentially lower monthly payments
👍 Improved affordability/pay off principal amount quicker
📊 Increased financial flexibility
However, it's crucial to weigh the pros and cons carefully, as you may pay more in interest.

05/01/2024

HOME BUYING GOALS FOR 2024!
* START SAVING FOR YOUR DOWNPAYMENT
* CHECK YOUR CREDIT RATING
* CREDIT CLEAN-UP
* GET PRE-APPROVED FOR A MORTGAGE
* START SHOPPING - CHECK OUT ALL OUR ESTATE AGENTS TO SEE WHATS ON OFFER!

02/01/2024

As we bid farewell to 2023, may your New Year be filled with exciting opportunities ......... maybe kicking off 2024 with a new job? 💼
If so, don't forget to update your protection plan so you don’t miss out!
☎️☎️☎️

30/12/2023

MORTGAGE PREDICTIONS FOR 2024!!😊
As we come to the end of a challenging year, the UK’s economic landscape is showing more signs of recovery amid falling UK inflation and the easing of SONIA (Sterling Overnight Index Average) swap rates, presenting new opportunities for the mortgage market in 2024.
The current outlook suggests a growing optimism that the highest mortgage rates in today’s mortgage market have passed, and we are entering a phase where these rates, though higher compared to what people are accustomed to, are finally more digestible for homeowners. Not only will increased optimism drive demand but there will be many borrowers needing to refinance as these mortgage holders reach the end of their cheap mortgage rates in 2024.

22/12/2023

Please note that our office at Ashwood House, Belfast, will close for the Christmas break at 2pm on Friday the 22nd of December 2023 and reopen on Tuesday the 2nd of January 2024 at 9am.
May the magic of Christmas fill your heart with joy, the warmth of loved ones surround you, and the spirit of giving be ever-present. Wishing you a Merry Christmas and a wonderful holiday season! Thank you to all our cllients and and work colleagues for your support in 2023 🎄

Wishing you all a very Merry Christmas & Happy New Year from all the staff at Ashwood House 😊