Legacy Financial Services

19/12/2025

We will be closed from 22nd December to 5th January for a well deserved break 🎅🎅🎅
We wish all our customers old and new a very Merry Christmas! 🥳🥳🥳

03/10/2025

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Read what clients have written about Darren Spragg of Legacy Financial Services - One of our Financial Advisers in Bodmin

17/07/2025

Another amazing ⭐️⭐️⭐️⭐️⭐️ customer review 🤩
legacyfinancialservices.net

Read what clients have written about Darren Spragg of Legacy Financial Services - One of our Financial Advisers in Bodmin

26/04/2025

Here are 4 common aspects new homeowners often underestimate:

⏳ The Timeline: Getting everything sorted takes time! From finding the right property to the legal bits and mortgage processing, it's not an overnight process. Be prepared for a journey, not a sprint!

💰 Beyond the Deposit: Remember the additional costs! Think solicitor fees, surveys, Stamp Duty, valuation fees, and moving expenses. Factor these into your budget from the start – they add up!

📊 It's Not Just About the Interest Rate: While a good interest rate is important, look at the whole mortgage deal. Consider fees, the term length, flexibility, and any potential early repayment charges. The lowest rate isn't always the best deal overall.

🤝 The Power of a Mortgage Advisor: Navigating the mortgage maze alone can be daunting! A good mortgage advisor can save you time, stress, and potentially money. We can access a wider range of deals, explain the jargon, and guide you through every step.

Don't get caught out! Let us help you navigate your first home purchase with expert advice.

Think carefully before securing other debts against your property; your property may be repossessed if you do not keep up repayments on your mortgage.

Call: 01208 640130
https://www.legacyfinancialservices.net

23/04/2025

Repayment Mortgage: You pay both the capital and interest each month, gradually reducing your overall debt. By the end of the term, you'll own your home outright.

Interest Only Mortgage: You only pay the interest each month, meaning the original loan amount remains unchanged. You'll need a solid plan to repay the capital at the end of the term.

Choosing between them depends on your financial goals and circumstances. Each has pros and cons that could impact your long-term financial health. 💡

Want to understand which mortgage suits your situation? Speak to one of our mortgage experts who can guide you through your options.

Think carefully before securing other debts against your property; your property may be repossessed if you do not keep up repayments on your mortgage.

Call: 01208 640130
https://www.legacyfinancialservices.net

21/04/2025

Even on your worst day as a family, you could have one saving grace in the form of a Critical Illness Cover policy

A critical illness policy provides financial protection by offering a lump sum payout if the policyholder is diagnosed with a specified serious illness or medical condition during the term of the policy.

Get in touch and we'll help you protect your family 🛡️

Legacy Financial Services is a trading name of Darren Spragg who is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Conduct Authority

19/04/2025

Just like those delicious Easter chocolates, mortgage deals don't stick around forever! Many remortgage offers have a short shelf life, meaning acting quickly is key to securing a sweet deal that suits your needs. 🍫

Is your current mortgage deal ending in the next six months?

Don't delay! Getting in touch today means we can explore your options and help you lock in a remortgage that works for you, before the best rates disappear.

Think carefully before securing other debts against your property; your property may be repossessed if you do not keep up repayments on your mortgage.

Call: 01208 640130
https://www.legacyfinancialservices.net

16/04/2025

Don't let these common mortgage myths hold you back from your homeownership dreams! We're here to debunk them:

Myth 1: "You can’t get a mortgage with a bad credit rating."
➡️ BUSTED: While bad credit can make things trickier, it's NOT impossible! The type of credit issue, when it happened, and the lender you choose all make a difference. We work with lenders who look beyond the tick boxes and assess each case individually. There might still be options for you!

Myth 2: "You can’t get a mortgage if you’re self-employed."
➡️ BUSTED: Absolutely not true! There are many specialist lenders who understand the nuances of self-employment. With sufficient income proof, we can connect you with lenders who look favourably on those with varied income streams.

Myth 3: "There’s no point looking into mortgages until you’ve found a property."
➡️ BUSTED: Actually, it's a SMART idea to explore your mortgage options early! Getting a 'Decision in Principle' (DIP) will give you a clear idea of what you can afford and can even make your offer stronger when you find the right place. Let us help you get your DIP sorted!

Myth 4: "Deposits need to be at least 20%."
➡️ BUSTED: Deposit requirements vary! While 20% is a traditional figure, many lenders consider 10%, and there are even options for lower deposits, especially on new builds, and sometimes even 100% mortgages are available. Let's explore the deposit options available to you.

Ready to break free from these myths and explore your mortgage possibilities? Get in touch today!

Think carefully before securing other debts against your property; your property may be repossessed if you do not keep up repayments on your mortgage.

Call: 01208 640130
https://www.legacyfinancialservices.net

14/04/2025

What it is: You take out a mortgage, and the lender offers you a cash incentive.

⚙️ How it works: This cashback can be a fixed amount (£), a percentage of your total loan, or even the equivalent of one of your monthly payments.

🗓️ When you get it: You usually receive the cashback around the time your mortgage completes (when you get the keys!) or shortly after your first mortgage payment. It's often paid to your solicitor along with the mortgage funds.

💸 What you can use it for: The best part? The cash is yours to spend as you wish!

Cashback on mortgages can be attractive, but remember to always look at the bigger picture, including the interest rate and overall cost of the mortgage over its term.

Thinking about your mortgage options? Let's chat!

Think carefully before securing other debts against your property; your property may be repossessed if you do not keep up repayments on your mortgage.

Call: 01208 640130
https://www.legacyfinancialservices.net

12/04/2025

The research also found that 36% of UK adults are living with a long term physical or mental health condition, but 18% worry, when taking out a policy that their claims would not be paid due to the ‘small print’.

Your ability to obtain coverage from some insurers may be impacted by an illness or condition, and you may also pay more in premiums. 💷

By telling us about any pre-existing problems, we can conduct a market search to determine which insurers might be able to provide you coverage.

Source: https://bestadvice.co.uk/lv-tackles-issue-of-insurance-misrepresentation/

Legacy Financial Services is a trading name of Darren Spragg who is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Conduct Authority

09/04/2025

While you're planning your summer fun, don’t miss the chance to secure your future.

We’re here to help you navigate your mortgage needs. Even if your remortgage isn’t due until October, getting started now can make all the difference.

Reach out to us today, and let’s get everything before Summer. 🌞

Think carefully before securing other debts against your property; your property may be repossessed if you do not keep up repayments on your mortgage.

Call: 01208 640130
https://www.legacyfinancialservices.net

07/04/2025

The average first-time buyer age is now 33 across the UK and 35 in London. 🏡

Times have changed dramatically – just a few years ago, people were buying homes around 24. Today, saving for a deposit takes an average of 11 years, which means being 35 or older doesn't mean you're too late to the property ladder.

Your dream home is still waiting, and age is just a number. Don't let time hold you back from creating your future.

Ready to explore your mortgage options? Book a chat with our friendly team today and start your property journey.

Think carefully before securing other debts against your property; your property may be repossessed if you do not keep up repayments on your mortgage.

Call: 01208 640130
https://www.legacyfinancialservices.net


https://www.gov.uk/government/statistics/chapters-for-english-housing-survey-2022-to-2023-headline-report/chapter-3-housing-history-and-future-housing