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Futures Financial

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Bournemouth
Futures Financial

Experts in helping First Time Buyers, Homemovers and Investors, purchase and protect

09/02/2024

5 tips on selling your home 🏡

📆 Check when your current mortgage deal ends.

💷 Consider the overall cost of selling.

🧰 Spruce up your home to attract buyers.

🧑‍💻 Choose a good estate agent.

📸Use effective marketing when selling.

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

07/02/2024

6 top tips for your upcoming remortgage 🏡

1. Don't leave your renewal until the last minute.
2. Review your overall financial situation.
3. Don't be scared of switching lenders.
4. Put some money towards reducing your balance if possible.
5. The lowest rate may not be the most suitable deal.
6. Speak to a broker. They can navigate you through the current market.

Feel free to get in touch on:
📞 01202 985 185
💻 futuresfinancial.co.uk
📧 [email protected]

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

01/02/2024

🏦Bank of England Base Rate remains at 5.25%...🏦

The Bank of England has paused raising the base rate for the fourth time in a row now. Another hold may bring some relief to homeowners who have seen mortgage rates rise!

What does it mean for mortgages? 🤔
If you're in a fixed rate, it is business as usual as your rate is secured until that deal ends.

For those with tracker or standard variable rate mortgages, which are based on the Bank’s rate, a hold will mean no change to monthly housing costs.

It is important to be aware that anything can change at the flick of a switch, so we would still advise you to secure your mortgage deal as soon as possible to avoid any disappointment.

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

31/01/2024

A GUIDE FOR TEACHERS GETTING A MORTGAGE 🧑‍🏫

As a teacher, you’re used to marking your students’ work. But applying for a mortgage means it's your turn to wait nervously for approval.

The good news is that teachers and others in public service jobs are often viewed positively by lenders.

Feel free to get in touch on:
📞 01202 985 185
💻 futuresfinancial.co.uk
📧 [email protected]

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

29/01/2024

COULD 99% MORTGAGES HELP FIRST TIME BUYERS?🏡

Sunak and Hunt are considering a potential scheme for first time buyers. It would require borrowers to only down a 1% deposit towards their first home.

It may sound like a great idea for those struggling to find a larger deposit and get many more first time buyers on the property ladder.

But is it really a good idea? 🤔

There is a worry that the scheme could backfire by pushing up house prices without addressing the lack of housing already. Also, it could leave borrowers in negative equity if house prices dropped and they needed to sell at this point.

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

26/01/2024

CHILDREN'S CRITICAL ILLNESS INSURANCE 👨‍👩‍👧‍👦

Children's Critical Illness Insurance provides financial assistance in case a child is diagnosed with a severe illness like cancer, stroke, or kidney failure. This insurance policy can provide compensation for parents' lost wages if they need to take time off work for treatment and hospital visits, offering financial peace of mind.

If you aren’t sure what you and your family are covered for or need to review your policy, feel free to get in contact on:
📞 01202 985 185
💻 futuresfinancial.co.uk
📧 [email protected]

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

23/01/2024

DEADLINE FOR SELF ASSESSMENT TAX RETURNS...📄

The deadline to file a tax return for 2022-2023 tax year and pay tax owed is 31st January 2024.

With just over a week to go until the deadline, there are still many customers to file their tax return.

So don't put it off, go to GOV.UK and search 'Self Assessment' to get started today!

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

19/01/2024

5* REVIEW ⭐

What an amazing team at Futures Financial!

If you are wanting a 5* service, feel free to get in touch on:
📞 01202 985 185
💻 futuresfinancial.co.uk
📧 [email protected]

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

17/01/2024

SELF-EMPLOYED MORTGAGE MYTHS...BUSTED!

There is a common misconception that getting approved for a mortgage as a self-employed home buyer is difficult.

The truth is that being self-employed doesn't mean you won't be approved for a mortgage. It just means that the application process and requirements may be different from someone with a traditional full-time job.

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

15/01/2024

Will house prices crash in 2024?🏡

House prices may experience a slight decrease due to falling mortgage rates, according to Rightmove. The more stable situation in the mortgage market might encourage potential homeowners to make their moves early this year.

Here are some key points for 2024:
⭐Rightmove advises setting tempting prices rather than high ones to avoid the need for reductions later and to attract early-bird buyers.
⭐Despite higher mortgage rates than we are used to, there seems to be more stability and certainty as we approach 2024.

If you plan to sell your house and need to prepare for your new mortgage, you can contact us on:
📞 01202 985 185
💻 futuresfinancial.co.uk
📧 [email protected]

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

12/01/2024

How much can I borrow on a mortgage?🏡

To understand how much you can borrow on a mortgage, you need to consider several key factors. These factors are evaluated by lenders to determine your financial capacity and commitment to repay a mortgage.

⭐️Credit score: Your credit score and history are crucial elements that lenders consider. They reflect your reliability as a borrower. Maintaining a good credit score can help increase the amount you can borrow.

⭐️Personal income: Your income, including your base salary, bonuses, and any additional income like tax credits, are assessed to establish your borrowing capacity. This is to ensure that you can manage your mortgage repayments.

⭐️Monthly outgoings: Lenders scrutinise your monthly expenses to determine how much of your income is used for existing obligations. This helps to decide the mortgage amount that you can afford without straining your budget.

⭐️Existing debts: Any existing debts are taken into account when lenders evaluate your ability to make mortgage payments. There's a specific percentage allowance for credit utilisation that lenders take into account; however, this varies from lender to lender.

Feel free to get in touch on:
📞 01202 985 185
💻 futuresfinancial.co.uk
📧 [email protected]

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

Address

508 Wimborne Road
Bournemouth
BH92EX

Opening Hours

Monday	9am - 8pm
Tuesday	9am - 8pm
Wednesday	9am - 8pm
Thursday	9am - 8pm
Friday	9am - 8pm
Saturday	9am - 2pm

Website

https://www.futuresfinancial.co.uk/

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