Ally Hunter - Mortgage and Protection Specialist

Ally Hunter - Mortgage and Protection Specialist 🏠Unlocking Your Dream Home: Where First-Class Service Meets Mortgage Excellence🏠

16/01/2025

Calculate how long you can maintain your lifestyle if you were to lose an income



If you were to lose your income today, how long do you think you could last for?

According to a report from Legal & General, the average household is just 24 days from the breadline – much less than the 90 days most people think they could last if they lost their income. Furthermore, the research shows that the average household needs savings of over £30,000 to be financially stable for a year.

How many days do you think you could last? There’s some great tools out there to help you find out – try the L&G Deadline to Breadline Calculator to see how long you can maintain your current lifestyle should the worst happen.

Shocked by the results? It needn’t be all doom and gloom – there are a wide range of protection products out there to assist, contact us and we will listen to your circumstances and share informed, practical advice and make a recommendation on how to protect you and your family against what life throws at you.

Access the calculator here https://buff.ly/3UcBtY9

Availability and cost of cover is subject to criteria such as age, lifestyle, current health and medical history.

08/01/2025

Get Remortgage Ready



It pays to shop around to get the best value – whether it’s saving money when finding a new broadband deal, changing to a cheaper energy provider or reducing the premium on your car insurance.

Mortgages are just the same – if your initial fixed term period is coming to an end, or you’re looking to release a sum of money for a big project, then it’s worth getting prepared upfront for a remortgage. We’ll help you find the right deal for you, and to help kickstart, here’s a few handy tips on how you can get the process going:

• Seek expert assistance – contact us today for bespoke, expert advice. We’ll listen to your needs, guide you through the process and recommend only the most suitable remortgage deals to allow you to save money and fulfil your dreams.
• Plan ahead – allow up to six months for a remortgage to take place, giving time for research and decision making for what you’re looking for alongside the process of applying for a remortgage itself.
• Plan your finances – just as for applying for your first mortgage, it pays to make sure your finances are truly in order. Check your credit score, don’t apply for any new credit, avoid any large purchases, avoid payday loans or overdrafts at all costs to boost your chances of quick acceptance for a remortgage.
• Get your documents in order – just as for your first mortgage, documents will be required to prove your identity, current address and proof of income – save time by gathering your documents together upfront.
• If you’re self-employed – you’ll need to show additional proof of income with three years history. You can aid your application by showing future workload and incoming revenue stream.

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

There may be a fee for mortgage advice. The Financial Conduct Authority does not regulate some forms of buy to lets.

🐰🐥🍫 Happy Easter!
29/03/2024

🐰🐥🍫 Happy Easter!

28/03/2024

🏡 Exciting News for Homebuyers! 🎉 Accord Mortgages have just unveiled their brand-new 99% LTV mortgage product, opening doors to more possibilities for aspiring homeowners! 🚪💼

🔑 With just a 1% deposit (minimum £5,000), you could be one step closer to owning your dream home. Whether you're a first-time buyer or looking to move up the property ladder, this opportunity could be the key to unlocking your homeownership journey.

💰 Low deposit, high ambition! Take advantage of this fantastic offer and secure your future with Accord's innovative mortgage solution. Don't let financial barriers hold you back from achieving your homeownership goals!

📈 As your trusted mortgage advisor, I'm here to guide you through the process and help you make the most of this incredible opportunity. Let's turn your homeownership dreams into reality! Contact me today to learn more and take the first step towards your new home. 🏠✨

"....and I took that personally" IFKYK 😀
27/03/2024

"....and I took that personally" IFKYK 😀

True Story ☕🙏
25/03/2024

True Story ☕🙏

😀👌📞
22/03/2024

😀👌📞

21/03/2024

🔑 Unlocking the door to a bright financial future starts with maintaining good credit! 💳 Here are some quick tips to help you avoid bad credit:

1️⃣ Pay Your Bills on Time: Timely payments are crucial for maintaining a positive credit history. Set up automatic payments or reminders to ensure you never miss a due date.

2️⃣ Keep Credit Card Balances Low: Aim to keep your credit card balances well below their limits. High credit utilisation can negatively impact your credit score.

3️⃣ Monitor Your Credit Report: Regularly check your credit report for errors or inaccuracies. Address any issues promptly to prevent them from affecting your creditworthiness.

4️⃣ Limit New Credit Applications: Each credit application can result in a hard inquiry on your credit report, which can temporarily lower your score. Be selective about applying for new credit.

5️⃣ Diversify Your Credit Mix: Having a mix of credit types, such as credit cards, loans, and a mortgage, can demonstrate responsible credit management and positively impact your score.

Remember, building and maintaining good credit is a journey, not a sprint! 🌟 If you have questions or need personalized advice, I'm here to help! 💬

20/03/2024

🏠 Are you still on the fence about whether to rent or buy? Let's break it down! 🤔💼

Here are some key benefits of being a homeowner versus renting:

1️⃣ Investment in Your Future: When you buy a home, you're investing in your future. Instead of paying rent and essentially helping your landlord build equity, you're building equity for yourself. Over time, your home can increase in value, providing a valuable asset for your financial future.

2️⃣ Stability and Control: Owning your own home provides stability and control over your living situation. You're not subject to potential rent increases or the whims of a landlord. Plus, you have the freedom to make changes and improvements to your home without seeking permission.

3️⃣ Sense of Community: Owning a home often fosters a stronger sense of community. You're more likely to put down roots, get involved in local activities, and build relationships with your neighbours, creating a deeper connection to your surroundings.

4️⃣ Personalisation and Pride: When you own your home, you have the freedom to personalise it to your tastes and preferences. From painting the walls to landscaping the garden, you can truly make your house feel like home. Plus, there's a sense of pride that comes with homeownership, knowing that you've achieved a significant milestone in your life.

Ready to make the leap from renting to homeownership? 🚀 Let's discuss your options and take the first steps towards owning your own piece of paradise! 🌟🔑

19/03/2024

💡 Let's talk about a topic that's often overlooked but incredibly important: financial vulnerability. 💼💔 Life can throw unexpected curveballs, and being prepared is key to safeguarding your financial future. Here's why it's crucial to consider your own financial vulnerability:

1️⃣ Life's Uncertainties: From sudden illness to unexpected job loss, life is full of uncertainties. Assessing your financial vulnerability helps you prepare for these unforeseen challenges and ensures you have a safety net in place.

2️⃣ Protect Your Loved Ones: If something were to happen to you, would your loved ones be financially secure? Thinking about your vulnerability prompts you to consider life insurance and other protective measures to provide for your family's future.

3️⃣ Maintain Financial Stability: Even the most financially secure individuals can face setbacks. By understanding your vulnerabilities, you can take proactive steps to maintain stability during tough times, whether it's through emergency savings or income protection.

4️⃣ Plan for Retirement: Retirement might seem far off, but considering your financial vulnerability now can help you build a solid retirement plan. Assessing risks and protecting your assets early on can ensure a comfortable retirement down the line.

5️⃣ Peace of Mind: Knowing that you've taken steps to address your financial vulnerabilities brings peace of mind. It allows you to face the future with confidence, knowing that you're prepared for whatever comes your way.

💬 Ready to take control of your financial future? Let's start a conversation about protecting yourself and your loved ones from life's uncertainties. Your peace of mind is priceless.

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Scotia House, 5 Dickson Street
Dunfermline
KY127SL

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