Barnacle Home Finance

Barnacle Home Finance Mortgage and Protection Advice

House prices rise 4.7% to record high in September. I expect this trend will continue in the short term as buyers feel t...
18/11/2020

House prices rise 4.7% to record high in September.

I expect this trend will continue in the short term as buyers feel the urgency to secure property deals and allow time for completion before the tax break ends.
What began as a disastrous year for the property industry has been turned on its head by government interventions, creating a surge of demand predominantly in England and Northern Ireland where the stamp duty reduction is greatest.
-Boom # stamp duty Break # Advice

Barnacle Home Finance is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of First Complete which is authorised and regulated by the Financial Conduct Authority.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The Bank of England’s Monetary Policy Committee has voted unanimously to maintain Bank Rate at 0.1%, but say that a "fur...
05/11/2020

The Bank of England’s Monetary Policy Committee has voted unanimously to maintain Bank Rate at 0.1%, but say that a "further easing of monetary policy is warranted".

Given the recent imposition of more stringent measures designed to help reduce the number of Covid-19 cases, it was not surprising to see the Bank of England acting to help the UK economy at this time. As a result of these new measures, there continues to be a significant possibility of further rate cuts and more quantitative easing to help support the economy as we move into 2021.😀

Barnacle Home Finance is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of First Complete which is authorised and regulated by the Financial Conduct Authority.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The average price of property coming to market increased by 1.1% this month to a new record high of £323,530, according ...
19/10/2020

The average price of property coming to market increased by 1.1% this month to a new record high of £323,530, according to the latest Rightmove house price index.
It’s a real boost to see how the market has performed year-on-year as we move towards year end. With house prices higher than this time last year, there is confidence and optimism. However, we should not forget where we were 12 months ago. It wasn’t a confident end to 2019 with uncertainty over Brexit and a pending general election that presented the possibility of a Corbyn-led government.

An upsurge in sales and valuations at the start of this year attributed to the ‘Boris bounce’, which saw confidence at its highest for a long time. But that was short-lived and seemed like a distant memory once Covid started to take its toll.

This current boom is a good sign, with buyers looking for more space and understanding that it comes at a premium. The stamp duty stimulus, along with cheaper than ever mortgages, means more people have greater confidence to take the plunge and buy a home.
fixed rates # Stamp Duty Holiday # Advice

Barnacle Home Finance is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of First Complete which is authorised and regulated by the Financial Conduct Authority.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Is your life insurance policy written in trust?By putting your personal protection policies in trust, you can make sure ...
05/10/2020

Is your life insurance policy written in trust?

By putting your personal protection policies in trust, you can make sure the right money makes it into the right hands at the right time.

If we told you about a product that:
- was free
- could save you 40p in every £1
- could save you months of legal wrangling
Would you be interested?

That product is a trust. Putting your policy in a trust:
is free, may save inheritance tax, avoids probate delay

Give yourself complete peace of mind. Call and speak to us today about the essential benefits of putting your personal protection policies in a trust.
# probate # inheritance tax # trusts .

Barnacle Home Finance is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of First Complete which is authorised and regulated by the Financial Conduct Authority.

Recognize the House?😀Not sure if could get Del-boy a mortgage!🤔 Been turned down by your bank for a mortgage then maybe ...
01/10/2020

Recognize the House?😀

Not sure if could get Del-boy a mortgage!🤔
Been turned down by your bank for a mortgage then maybe we can help
-Complex Income
-Recently Self employed
-Previous Financial Difficulties
- Young Credit History
These are just a few reasons why you might have been turned down by the High street😡

-standard mortgage # re-mortgage # advice

Barnacle Home Finance is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of First Complete which is authorised and regulated by the Financial Conduct Authority.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

21/09/2020



Barnacle Home Finance is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of First Complete which is authorised and regulated by the Financial Conduct Authority.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The Bank of England's Monetary Policy Committee has vote unanimously to maintain Bank Rate at 0.1%.The decision to leave...
17/09/2020

The Bank of England's Monetary Policy Committee has vote unanimously to maintain Bank Rate at 0.1%.

The decision to leave Bank Rate unchanged at 0.1% was expected this month, although the economy has started to recover there remains uncertainty caused by the ongoing issues around trade negotiations with the EU as well as the possibility of more stringent measures being imposed if Covid-19 cases start to increase rapidly.
# lockdown # advice

Barnacle Home Finance is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of First Complete which is authorised and regulated by the Financial Conduct Authority.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

I can arrange cover for you that provides you with a replacement income if you cannot work due to any kind of accident o...
07/09/2020

I can arrange cover for you that provides you with a replacement income if you cannot work due to any kind of accident or illness.
The cover includes trips and falls, car accidents, broken bones, anxiety and depression, cancer, sickness, serious illnesses and more.
It often costs less than a cup of coffee a day but could genuinely make all the difference in being able to pay all those essential monthly bills.
Only requires you to be signed off work to be eligible to claim.
your biggest asset # Tailored to your needs

Barnacle Home Finance is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of First Complete which is authorised and regulated by the Financial Conduct Authority.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Fixed rates and mortgage fees begin to rise:Average mortgage rates have increased after dropping to record low levels in...
01/09/2020

Fixed rates and mortgage fees begin to rise:

Average mortgage rates have increased after dropping to record low levels in July of this year and fixed rate fees are also beginning to rise, according to the latest figures from Moneyfacts.
Deciding on the right mortgage deal is about more than just the initial rate offered, but with rates rising and the stamp duty holiday set to finish at the end of March 2021, borrowers may wish to act swiftly as demand could spike and application processing times could extend.
rate # act now # Advice.

Barnacle Home Finance is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of First Complete which is authorised and regulated by the Financial Conduct Authority.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Homeowners who have lapsed onto a Standard Variable Rate (SVR) mortgage are collectively spending an extra £175 million ...
20/08/2020

Homeowners who have lapsed onto a Standard Variable Rate (SVR) mortgage are collectively spending an extra £175 million a month, according to research by MoneySuperMarket.

The study found that homeowners on SVR mortgages could save £133.46 per month by switching to a better deal.
Standard Variable Rates on mortgages are notoriously expensive. Regardless of whether you’re on an SVR mortgage or another type, there could still be significant savings to be made when your initial mortgage deal comes to an end.
deals # re-mortgage # advice

Barnacle Home Finance is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of First Complete which is authorised and regulated by the Financial Conduct Authority.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Following four months of decline, average house prices in July experienced their greatest month-on-month increase this y...
12/08/2020

Following four months of decline, average house prices in July experienced their greatest month-on-month increase this year, up 1.6% from June and comfortably offsetting losses in 2020. The average house price in July is the highest it has ever been since the Halifax House Price Index began, 3.8% higher than a year ago.

The latest data adds to the emerging view that the market is experiencing a surprising spike post lockdown. As pent-up demand from the period of lockdown is released into a largely open housing market, a low supply of available homes is helping to exert upwards pressure on house prices. Supported by the government’s initiative of a significant cut in stamp duty, and evidence from households and agents suggesting that confidence is currently growing, the immediate future for the housing market looks brighter than many might have expected three months ago.
boom advice

Barnacle Home Finance is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of First Complete which is authorised and regulated by the Financial Conduct Authority.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Bank of England holds interest rates at 0.1%
06/08/2020

Bank of England holds interest rates at 0.1%

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