Chamelo Mortgages

Chamelo Mortgages 🖥 Online Mortgage Advisers
🏠 Access the Whole of the Market
💬 Phone, Zoom, Teams and FaceTime appts
✉️ [email protected]
👩‍💻 apply online @ chamelo.uk

17/07/2024

Why did Pete name the company such a hard to say name? We don’t know.

But it’s pronounced

✨ka-mee-lo✨

Not:
❌ Sha-mee-lo❌
❌Cha-mel-o❌
❌Chee-mee-lo❌

Sorry to make your life hard with pronouncing our name, but we make getting your mortgage as easy as possible🙌🏻🎉

With the country now under rule of the Labour and the reds what does that mean for mortgages?🌹Mortgage experts “do not e...
10/07/2024

With the country now under rule of the Labour and the reds what does that mean for mortgages?🌹

Mortgage experts “do not expect to see the volatility of the recent years” due to Labours housing and economics polices that “aim to support lower mortgage rates and greater accessibility for first time buyers”*👏🏻

So this could be good news for mortgages🤞🏻

*quote taken from www.ftadviser.com

Pete’s only tip for today is to go and vote!✅🗳️ It’s Thursday 4th July which means it’s the General Election - today is ...
04/07/2024

Pete’s only tip for today is to go and vote!✅🗳️

It’s Thursday 4th July which means it’s the General Election - today is the day! Everyone at Chamelo will be using their vote today, you have from 7am-10pm today to go to your polling station⏰ Who will we have as Prime Minister tomorrow!?😱

03/07/2024

Tomorrow is the day! Make sure today you know where your poll card is, you have a valid form of ID and you know how to get to your polling station🗳️

The team at Chamelo will be making sure they all are ready to vote tomorrow✅

Genny lec sounds good and all that, but what about some Mortgage Broker (Morgy B) abbreviations✨
02/07/2024

Genny lec sounds good and all that, but what about some Mortgage Broker (Morgy B) abbreviations✨

01/07/2024

We know it’s not the most exciting thing on your newsfeed🙈 But let us share with you a summary of the Housing Policies for the Conservative and Labour Party🏡

🔵Conservatives
- 2021 the Tories set a target of building 300,000 new homes by the mid 2020’s. Michael Gove said they will continue to commit to do this.
- Closed the Help to buy scheme in 2023 but hinted at maybe considering bringing it back.

🌹 Labour
- Announced a permanent Freedom to Buy mortgage scheme to help working people that may struggle to save a deposit
- Aims to build 1.5 million new homes in their first 5 years of government, under the following principles:
1. Any brownfield land should be prioritised for development
2. Grey belt land (poorer quality areas of green belt land) should be prioritised second
3. Plans must target at least 50% affordable housing delivery when land is released
4. Plans must boost public services and infrastructure
5. There must be no building on genuine nature spots

Of course there are other political parties, but it seems the race is very much between the two main parties again!🔵🌹

Everyone wants the rates to fall🙏🏻 The banks so more people get mortgages, anyone with a mortgage for a better remortga...
28/06/2024

Everyone wants the rates to fall🙏🏻 The banks so more people get mortgages, anyone with a mortgage for a better remortgage and especially first time buyers who want to get a mortgage🏡

But will they fall after the general election?🧐

People always ask Pete, Director of Mortgages if he has an idea on if rates will fall and he says:

“It’s difficult to predict, and if you had 6 economists in a room none of them would agree, but if we look at the numbers - rates have been coming down and hopefully it continues on that trajectory irrespective of the next government - but sadly there is no guarantee”🤞🏻

If you take a look on the second slide it shows that there have been fluctuations both positively and negatively, which could indicate a reduction in fixed rates… fingers crossed it’s sooner rather than later!

We wish we had a crystal ball to predict the future but if you are wanting a mortgage or a remortgage around the general election time, rest assured we can help you navigate the market and secure the best deal for you🔮

Even with all this uncertainty it doesn’t mean it’s a bad time to buy or remortgage, we have access to so many mortgages and opportunities as whole of market brokers👏🏻☺️

27/06/2024

Mortgage rates are set by lenders and are influenced by many factors. One of these is the Bank of England base rate of interest🥵

The Bank of England is a public body accountable to both the people of the UK and the government🇬🇧 In 1997 it was granted independence in certain areas so that the organisation is free from political party influence🫡

But that does mean that the Bank of England is influenced by the rate of inflation and the UK economy! So political events such as elections do cause disturbance because of the uncertainty of what the upcoming government have in store for the wider state of the economy!👀

Since the General Election was confirmed on 22nd May:

- The average fixed mortgage rate across five of the biggest lenders rose from 5% to 5.1%*

- Some lenders have increased rates on selected mortgage products , including HSBC, TSB, Barclays and Leeds BS*

So we can see that the uncertainty has caused a small increase in rates📈

Tomorrow we are going to take a look at what could happen to the base rate following the election🙏🏻

*correct as of 14/06/24 - source MOJO mortgages*

The general election is on Thursday 4th July 2024 and we want to share with our followers how the upcoming election may ...
26/06/2024

The general election is on Thursday 4th July 2024 and we want to share with our followers how the upcoming election may affect mortgage rates📊

Over the next week we will be sharing posts that may help inform you on how politics has an impact on the world of mortgages 🌎

Firstly, it’s important to note that mortgage rates are not directly set or determined by the government - rates are set by lenders and influenced by various factors in the wider economics of the country! 💷

But that does mean that political events like a general election can cause some disturbances to rates - so over the next week in the lead up to voting day we are going to share some information around how mortgages can be impacted, what the political parties are offering in terms of mortgages and what changes could occur🏡

08/05/2024

We understand the comfort of sticking to what you know🙈 But a true whole of market mortgage broker like us is more than likely able to offer what your bank offers, plus a review of other options and banks to get you the best deal👊🏻

Loyalty is a lovely quality, but we would always encourage you to have a flirt with some other banks to see who treats you best! Let us hold your hand and introduce you to all the options along the way❤️

You could look at us like your greatest wing men and women in the world of mortgages😜

As the self proclaimed director of fun, does Gabz have any pearls of wisdom about mortgages to share? No🙈. But does she ...
03/05/2024

As the self proclaimed director of fun, does Gabz have any pearls of wisdom about mortgages to share? No🙈.

But does she want to remind you that it’s May and that means 2 bank holidays! Yes she does🙌🏻

So whatever this weekend holds, if you’re off on Monday, we are hoping for sun, fun and a lovely time for you☀️ (that’s our plan!🕺🏼)

For those of you who work, thank you for keeping the world turning and doing what you do, we appreciate you❤️

Have a safe, restful and good one everyone. See you next Tuesday! Wait can we say that?😜

26/04/2024

Happy Friday everyone!🙌🏻 Another week of life in the world of mortgages and life insurance - made even better for this pair because they’re 2 best mates that work together everyday!

You’d think they’d be sick of each other, but no - they’re going to play golf after work and have a takeaway together tonight too⛳️😵‍💫

Have a great weekend everyone and we will be back Monday morning🕺🏼

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Congleton
CW121DY

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