ACG Financial

19/12/2025

ACG Financial’s team about to enjoy our annual Christmas lunch at The Anchor at Oldbury. Taking a break with our hard working colleagues, wishing you a Merry Christmas 🎄🥳

07/06/2023

Fancy joining us for a fantastic evening of rugby for the opening game with the host nation

France v New Zealand with some special rugby guests...!

You wont want to miss it! This event is likely to sell out

Kindly hosted at
Gloucester Brewery
Warehouse 4, West Quay
Gloucester GL1 2LG

https://buytickets.at/woodenspoonsociety/933579

12/03/2021

Normally at this time of year, Gloucestershire Wooden Spoon Wooden Spoon Charity are getting to ready to welcome over 300 race goers to support their race day at the Cheltenham Festival. It is the biggest fund raiser of the year to help support disabled and disadvantaged children in Gloucestershore.

Due to the COVID restrictions, it can’t happen but we are delighted to join our great friends AMS Auctions in supporting the charity with their “Race Week” online auction which is “live” now here

amsauctions.co.uk/catalogue.cgi?…

Please get involved by having a look and placing a bid or at very worst share it and pass it onto as many people as you can and help them raise as much money as possible.

Longlevens Rugby Dee & Griffin Solicitors CentralGroup Venatour ACG Financial Old Cryptians Rugby Football Club Saintbridge Sport Centre Tewkesbury RFC Coney Hill RFC 7 Bamboos Rugby Cirencester Rugby Club! Cheltenham North RFC Cheltenham Rugby Club Brockworth Rugby Club

23/04/2020

Hi Everyone

I hope all are coping in these incredibly difficult times. They are certainly unprecedented and within the world of financial services it certainly is very different as lenders and providers adapt to the lockdown, however for many they are very much open for business albeit applying a more measured approach

Banks and Building Societies are still lending and are offering rates equal to or sometimes better than what was offered pre-covid 19. The two main factors affecting lenders are firstly the availability of staff resources as many have had to cater for the thousands of existing customers applying for payment holidays, and secondly the lack of physical valuations on properties as the the body that regulates surveyors has taken the government guidance on social distancing to a level preventing them from being carried out

So lenders have adapted by slowing down the process of mortgage lending to maybe 5-7 working days before assessment rather than the 2-3 days previously, and importantly they are now conducting automatic desktop valuations and remote valuations from surveyors in house for the right loan to value typically between 65% and 80% maximum

Certainly they are very much open for business as are ourselves. Clearly a first time buyer wanting a 95% mortgage at the moment will need to wait, but existing borrwers, if you are coming out of your current mortgage deal in the next 6 months and you have a good loan to value, you can secure a new rate now potentialy in readiness for the product expiry or even secure some additional funds for personal consumption!

Hopefully that gives a little bit of clarity of how the mortgage markets stands. In the coming weeks will post some thoughts on protection of your assets in these times and going forward

Stay safe everyone and if you need a chat just give us a call or drop us an email; we are very much here to help

Gary and Andy

11/04/2020

We have had many clients contact us about the Coronavirus and how it is already impacting them financially. Many have queried about mortgage payment holidays and their availability. So what is a payment holiday?

A payment holiday is when you temporarily stop paying all or part of your monthly mortgage payment. It can help if you have or believe you will have any short term financial difficulties. If you take a mortgage payment holiday, this means that you wouldn’t make mortgage payments for up to three months and these payments are added onto your mortgage balance. As a result, your mortgage balance will increase and your monthly payment will be recalculated over your remaining mortgage term. Your monthly payment and the amount of interest you pay will increase for the remaining term of your mortgage.

If you've made overpayments in the past 12 months, you could ask to underpay for a while, rather than take a payment holiday.

There is no impact on your credit file and the majority of lenders in the UK have created online portals to allow you to apply for the holiday by answering some straight forward questions. Clearly there is a significant number of borrowers taking advantage so remain patient as it can take at least 5 working days for the lender to come back to you. In most cases as long as your mortgage is up to date the payment holiday will be granted which can be a welcome relief for many borrowers that have in some way been affected by the coronavirus

Further information can be obtained by going to your lenders respective website

Gary

11/04/2020

Hi everyone. We have updated our page to increase our profile in an attempt to keep clients more informed about how the financial services world is coping in these unprecedented times and specifically to answer any questions any existing or any new clients have. Stay safe everyone and please feel free to message us anytime. Gary & Andy.

30/04/2013

Bank of Ireland (Bristol & West) written to 13,500 customers about its intentions to increase Standard Variable Rates on Residential Mortgages in May and October 2013. Rates to increase to 2.49% above Bank of England in May and 3.99% above Bank of England in October. Buy to Lets rates also affected.
Might be time to review your mortgage and get a better deal.

The bank is accused of hiking rates on the basis of clauses buried in the small print.

30/01/2013

Mortgage rates falling - Accord Residential Fixed Rates Cut!
Accord is cutting its rates on selected 75%, 85% & 90% LTV fixed rate products.
Rates are going down by up to 0.5% depending on your Loan to Value.