Helenna Mills - FLCAP Home

Helenna Mills - FLCAP Home FLCAP Home offers advice on Mortgages, Life Insurance and Home Insurance.

We are a Whole of Market Intermediary and strive to find the best solution for our clients needs.

Hello! I know I’ve been quiet on here. I thought I would reintroduce myself, I’m Helenna and I am the mortgage and prote...
01/05/2024

Hello!

I know I’ve been quiet on here. I thought I would reintroduce myself, I’m Helenna and I am the mortgage and protection adviser at FLCAP Home 🏠

I offer advice on all aspects of mortgages as well as life insurance, critical illness and income protection.

At FLCAP Home we are a whole of market broker, with access to rates across the mortgage market.

If you need to sort out your first purchase, look at your remortgage options or are looking for advice on protection then please get in touch ☺️

Helenna

Today the Bank of England have announced again that they are increasing interest rates. There has been a rise of 0.75% i...
03/11/2022

Today the Bank of England have announced again that they are increasing interest rates.

There has been a rise of 0.75% increasing it to now 3%

This is the biggest increase we have seen since 1989!

If you’re on a tracker or variable rate, you will see your payment increase

If your current fixed rate is due to come to an end in the next 6 months, now would be a good time to try and secure a new rate early.

Get in touch today 🧡
📧 [email protected]

There is many types of protection you can get for yourself and your family. It can be daunting, that’s why I’m here to h...
17/10/2022

There is many types of protection you can get for yourself and your family.

It can be daunting, that’s why I’m here to help! It’s so important to have the appropriate cover in place, whether it’s life insurance, critical illness or income protection.

Life insurance can start from from around £5 per month, that’s around the same as a coffee from Costa!

I can tweak your life cover to suit you and what you feel suits your needs best!

Get in touch today 🧡
📧 [email protected]

Receiving these from clients 💐
14/10/2022

Receiving these from clients 💐

Are you worried about increased interest rates or want to know if now is right time to buy your first home or move home ...
06/10/2022

Are you worried about increased interest rates or want to know if now is right time to buy your first home or move home

Get in contact today ☎️

Why have lenders withdrawn some of their fixed products? I’ve had a lot of questions from clients around the current iss...
30/09/2022

Why have lenders withdrawn some of their fixed products?

I’ve had a lot of questions from clients around the current issues we are experiencing with mortgages

If you have already applied for your mortgage you should be fine, most banks have said they are not currently accepting new applications for the time being

Now why are they doing this? Because of the recent mini budget, banks and building societies have pulled hundreds of mortgage products as they face a lot of uncertainty over the pound crash and the Bank of England saying it would not hesitate to increase interest rates

Most banks have commented saying they plan to reintroduce some rates at the end of this week and beginning on next week

Please get in touch if you have any questions

Helenna x

WHAT DOES TODAYS MINI BUDGET MEAN? 🏦 🏠 Stamp duty land tax increased from £300k to £425k for first time buyers Stamp dut...
23/09/2022

WHAT DOES TODAYS MINI BUDGET MEAN? 🏦 🏠

Stamp duty land tax increased from £300k to £425k for first time buyers

Stamp duty tax relief threshold increased from £500k to £625k

Initial £125k stamp duty threshold increased to £250k so no stamp duty on purchases under £250k

Higher rate tax payer of 45% scrapped so higher earners over £150k will now be taxed at 40%

National insurance hike to be reversed from November

Increase in corporation tax will be cancelled

Universal credit changes

Get in touch if you have any questions!

Helenna x

01/08/2022

The Bank of England's changes to mortgage affordability rules take effect from today.

Is your mortgage rate ending in the next 6 months?Nows a great time to consider doing a remortgage to secure anew rate b...
17/06/2022

Is your mortgage rate ending in the next 6 months?

Nows a great time to consider doing a remortgage to secure anew rate before interest rates hike again.

You can start the process of moving over to a new lender to secure a rate as most lenders mortgage offers last 6 months.

Six months down the line we could see higher interests rates which will mean an increase in your monthly payments.

With all of the uncertainty at the moment, and interest rates expected to rise further. We are already seeing an increas...
28/04/2022

With all of the uncertainty at the moment, and interest rates expected to rise further. We are already seeing an increase in rates for mortgages.

If your mortgage term is coming to an end soon or you are not on a fixed rate, now would be a good time to think about securing a lower rate. There are mortgage terms ranging from 2-10 years!

Get in touch today if you would like to discuss your options 📞

WHAT IS A DECISION IN PRINCIPLE?A decision in principle (DIP) or agreement in principle (AIP) is a document provided fro...
19/04/2022

WHAT IS A DECISION IN PRINCIPLE?

A decision in principle (DIP) or agreement in principle (AIP) is a document provided from a mortgage lender after they have assessed your affordability and credit file. It states your borrowing capacity with the chosen lender and often estate agents request this prior to you placing an offer on a property.

A decision in principle dose leave a soft footprint and sometimes a hard footprint on your credit file. You should be careful not to run too many of these unnecessarily.

They usually last 30 days before expiring and a new one needing to be produced

Address

24 Hemmells
Basildon
SS156ED

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

Telephone

+441277634416

Website

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