Grace Hopkinson - The Finance Seer

18/10/2023

Back with the 𝗧𝗢𝗣 𝗧𝗜𝗣𝗦 on getting ahead of the game and ready for a mortgage appointment 💯🤝🏠🔑

2️⃣. 𝗧𝗛𝗜𝗡𝗞 𝗔𝗕𝗢𝗨𝗧 𝗦𝗔𝗩𝗜𝗡𝗚

💸 𝗖𝗼𝗻𝘀𝗶𝗱𝗲𝗿 𝘁𝗵𝗲 𝗮𝗱𝗱𝗶𝘁𝗶𝗼𝗻𝗮𝗹 𝗰𝗼𝘀𝘁𝘀 𝗼𝗳 𝗼𝘄𝗻𝗶𝗻𝗴 𝗮 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆.
As well as the monthly mortgage costs, there are also the day to day running costs of a property to consider, utilities, council tax, home insurance etc. You may want to start saving for these early.

💸 𝗥𝗲𝘃𝗶𝗲𝘄 𝘆𝗼𝘂𝗿 𝗯𝗮𝗻𝗸 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 𝗿𝗲𝗴𝘂𝗹𝗮𝗿𝗹𝘆.
Try to identify your spending habits. How much do you regularly spend on food, clothing & entertainment. Try and cut back where you can.

💸 𝗖𝗵𝗲𝗰𝗸 𝘆𝗼𝘂𝗿 𝗱𝗶𝘀𝗽𝗼𝘀𝗮𝗯𝗹𝗲 𝗶𝗻𝗰𝗼𝗺𝗲.
Once you have the framework of your finances, you can then consider the disposable income you may have for a mortgage loan.

18/10/2023

🏡🏡🏡🏡🏡

Without the right guidance buying or selling a house can seem like an impossible decision to make. 🏡🪧
We understand and want to help guide you through the process.
Let’s sit down, talk about your property goals and get them accomplished ✅

16/10/2023

V is for VARIABLE RATE - This means the interest rate can go up or down if your mortgage lender decides to change their standard variable rate 💡

14/10/2023

Is the thought of finding a mortgaging filling you with dread? 🤦‍♀️🤦‍♀️

We are here to give you some 𝗧𝗢𝗣 𝗧𝗜𝗣𝗦 on getting ahead of the game and ready for a mortgage appointment 💯🤝🏠🔑

1️⃣. 𝗧𝗛𝗜𝗡𝗞 𝗔𝗛𝗘𝗔𝗗 & 𝗚𝗘𝗧 𝗬𝗢𝗨𝗥 𝗙𝗜𝗡𝗔𝗡𝗖𝗘𝗦 𝗜𝗡 𝗢𝗥𝗗𝗘𝗥

💸 𝗧𝗵𝗶𝗻𝗸 𝗮𝗯𝗼𝘂𝘁 𝘆𝗼𝘂𝗿 𝗺𝗼𝗻𝘁𝗵𝗹𝘆 𝗼𝘂𝘁𝗴𝗼𝗶𝗻𝗴𝘀.
If these are excessive it could affect your chances of being offered a mortgage. Review things you could do without, monthly magazines subscriptions, spa treatments, gym memberships you never use.

💸 𝗦𝘁𝗮𝗿𝘁 𝗸𝗲𝗲𝗽𝗶𝗻𝗴 𝗮 𝗿𝗲𝗰𝗼𝗿𝗱 𝗼𝗳 𝘆𝗼𝘂𝗿 𝘀𝗽𝗲𝗻𝗱𝗶𝗻𝗴.
You’ll need to be able to answer any queries lenders may have about your spending habits.

💸 𝗜𝗺𝗽𝗿𝗼𝘃𝗲 𝘆𝗼𝘂𝗿 𝗰𝗿𝗲𝗱𝗶𝘁 𝗿𝗮𝘁𝗶𝗻𝗴.
Making sure you are on the electoral roll and making payments on time are key. Although you may still be able to get a mortgage with a poor credit score, it will limit the lenders and products available to you.

13/10/2023

🏡 6 years ago I was moving into my very first home. After lots of blood, sweat and tears, it was the best feeling in the world.
Who would have thought 6 years on I would now be helping others achieve that same feeling of achievement, whilst trying to eliminate most of the blood, sweat and tears for them 💕😂

If you are considering getting on the property ladder 🪜 or would like advice on the steps you need to take then please get in touch ☎️

Email. [email protected]
Tel. 07799497717

12/10/2023

U is for UNENCUMBERED - A property that has no loans or borrowings secured on it 💡

11/10/2023

PARENTS 👨‍👩‍👧 … have you sorted your LIFE INSURANCE?

Studies have found that only around 25% of people in the UK have LIFE INSURANCE or CRITICAL ILLNESS COVER! 😳😳😳

Also, ensuring that if you have cover in place it is up to date and provides adequate cover for your children as well is key 🔐

If the worst was to happen to you this type of cover can provide financial security for your loved ones ❤️

To discuss your protection further or to arrange protection today, please get in touch📱

📧 [email protected]
☎️ 07799497717

Whole of Market Mortgage & Protection Specialist.

05/10/2023

Worried that your credit score may impact you getting a mortgage? 💳

We are here to help! … There are generally lots of options available, so let’s have a chat and explore all the options available to you.

Call - 07799497717 ☎️
Email - [email protected] 📧

30/09/2023

📌 REMORTGAGE REMINDER 📌

This is a reminder, if your current fixed term is due to end before April 2024 you can start looking at new deals and rates🏡

To arrange your remortgage appointment please pop me a message or get in touch through my contact details below 👇 or if you have any questions regarding your current mortgage then please do not hesitate to ask 📣

☎️ Tel. 07799497717
📧 Email. [email protected]

24/09/2023

If you are
🏡 A UK RESIDENT
&
✅ AGED OVER 18
we have a provider that will give you
LIFE INSURANCE & CRITICAL ILLNESS COVER

If you have been told ‘NO’ in the past or think you are unable to get cover for any reason then please get in touch ☎️

16/09/2023

T is for TRACKER RATE MORTGAGE - the mortgage interest rate is set at a fixed percentage above the Bank of England (BoE) base rate. The interest rate payable will rise and fall in line with changes to the BoE base rate 💡

10/09/2023

📍This weeks office views!

Replies maybe slightly slower than usual this week as I am away from home on a family staycation 🏖️

I am still working whilst away and therefore it is business as usual, I just have a better view from the office window this week 💕