S&S Financial Solutions

26/07/2022

An agreement in principle, also known as a decision in principle, is a document from a mortgage lender confirming that you might be able to borrow a certain amount.

You can use this to prove to a seller that you can afford to buy their property.

If you're already looking at properties, you may have been asked to provide an AIP. Please get in touch to discuss and we can apply for this on your behalf.

Alternatively, if you’re about to start looking for a new property, please contact us if you would like to understand how much a lender is likely to offer you based on your circumstances.

Call: 01342 326943
Email: [email protected]
Website: https://www.sandsfinancial.solutions/
You can even message us on Facebook!

Please note: 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, this will be discussed and agreed upon with you.

19/07/2022

If you know your fixed rate term on your mortgage is due to end in 2022 and unsure what your options are………

Please do not hesitate to contact us; we will be happy to answer any questions and provide clear bespoke advice specific to your own situation and requirements.

Call: 01342 326943
Email: [email protected]
Website: https://www.sandsfinancial.solutions/
You can even message us on Facebook!

Please note: 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, this however will be discussed and agreed with you.

11/07/2022

JARGON BUSTER - WHAT IS STAMP DUTY?

Stamp Duty is a tax you might have to pay when you buy a new home.

The following rules apply to property purchases in England and are correct as of 11/07/2022

First-time buyers will not pay any Stamp Duty on the first £300,000 of a purchase price and then 5% for any amount above £300,000 up to £500,000
If the purchase price is over £500,000 you will pay Stamp Duty at the home mover rate.

You can use the calculator below to see how much you will need to pay HMRC.

https://www.tax.service.gov.uk/calculate-stamp-duty-land-tax/ #/intro

You have 14 days to pay Stamp Duty after you get the keys to your new house. Your solicitor will handle the payment to HMRC.

If you're looking to purchase a new property please get in touch using the details below; it’s always best to have a conversation to discuss your current circumstances to see how we can help

Call: 01342 326943
Email: [email protected]
Website: https://www.sandsfinancial.solutions
You can even message us on Facebook!

Please note: your home may be repossessed if you do not keep up repayments on your mortgage

04/07/2022

If you’re starting your property journey, or are looking for your next move, you will need to know what mortgage you could get with your current income.

The answer isn’t as straightforward as it may seem as it will vary from lender to lender and depends on your income, debts, credit history and various other factors. This is where we can help you!

Please get in touch using the details below; as everyone's finances are unique, it’s always best to have a conversation to discuss your current circumstances

Call: 01342 326943
Email: [email protected]
Website: https://www.sandsfinancial.solutions
You can even message us on Facebook!

Please note: your home may be repossessed if you do not keep up repayments on your mortgage

24/06/2022

Re-mortgaging your home in the right circumstances can be a smart financial decision.

Here are a list of reasons our clients have decided to remortgage

★Their current fixed rate is coming to an end

★They wanted to review their monthly payment

★They were worried about interest rates going up

★They wanted to borrow more

We're here to help you decide if this is a decision that makes sense for you.

Call: 01342 326943
Email: [email protected]
Message us on Facebook!
https://www.sandsfinancial.solutions

17/06/2022

Bank of England raised interest rates again this week from 1% to 1.25%.

What does this mean for your mortgage?

Well, if you’re in a fixed rate, this will not affect you until you come to the end of your fixed term and you may find the interest rate is higher at that time.

If your current fixed term deal is about to come to an end, please do contact us using the information below to review your situation and consider securing a new fixed term for your mortgage.

If you’re on a variable, tracker or discounted rate, your monthly payments are likely to rise. If you would like to discuss your options, please do not hesitate to get in touch.

Call: 01342 326943

Email: [email protected]

Can even send us a message on Facebook!

Please note: your home may be repossessed if you do not keep up repayments on your mortgage

S&S Financial Solutions are an Independent Financial Adviser firm in Felbridge, East Grinstead. Providing professional jargon-free financial advice.

10/06/2022

We're here to help you pick a mortgage that is right for you.

We will provide you with honest, bespoke advice catered to your specific requirements to get you a mortgage that works for you.

Call: 01342 326943
Email: [email protected]
Website: https://www.sandsfinancial.solutions
You can even message us on Facebook!

01/06/2022

The office is now closed for the bank holidays to celebrate Her Majesty The Queen’s Platinum Jubilee.

We will be back on Monday the 6th of June to help with all your mortgage needs.

We hope you all have a wonderful time celebrating this historic milestone.

27/05/2022

Are you considering moving home but are currently locked in a fixed rate and unsure what the best solution for your mortgage may be?

If you believe that you would benefit from a conversation with us to discuss your options then please get in touch

Call: 01342 326943
Email: [email protected]
Book a free initial call on our website: https://www.sandsfinancial.solutions/services

13/05/2022

This is our 'Jargon Buster' Series where we help you and to 'translate' the ever-present gobbledygook in the mortgage world.

Today we are talking about fixed rate mortgages.

If you’d like to discuss with us if a fixed rate mortgage is the right choice for you or if you have any other questions please contact us using the below.

Call: 01342 326943
Email: [email protected]
Book a free initial call on our website: https://www.sandsfinancial.solutions/services
Don't forget to like our page to keep up to date with our posts.

07/05/2022

Bank of England raised interest rates again this week from 0.75% to 1%.

What does this mean for your mortgage?

Well, if you’re in a fixed rate, this will not affect you until you come to the end of your fixed term and you may find the interest rate is higher at that time.

If your current fixed term deal is about to come to an end, please do contact us using the information below to review your situation and consider securing a new fixed term for your mortgage.

If you’re on a variable, tracker or discounted rate, your monthly payments are likely to rise. If you would like to discuss your options, please do not hesitate to get in touch.

Call: 01342 326943
Email: [email protected]
Book a free initial call on our website: https://www.sandsfinancial.solutions/services
Please note: your home may be repossessed if you do not keep up repayments on your mortgage

The Bank of England has raised interest rates to their highest level in 13 years

29/04/2022

Remortgaging is the act of switching your existing mortgage to a new deal, either with your existing lender or a different provider.

Re-mortgaging your home in the right circumstances can be a smart financial decision.

We're here to help you decide if this is a decision that makes sense for you.

Call: 01342 326943
Email: [email protected]
Book an initial call on our website: https://www.sandsfinancial.solutions/services