Step Up Financial Services

31/12/2024

✨ Here’s to New Beginnings in 2025! ✨

As we say goodbye to 2024 and welcome a fresh start, we at Step Up Financial Services want to take a moment to thank YOU—our amazing clients—for letting us be part of your journey. 🏡✨ From securing dream homes to safeguarding futures, your trust and support have meant the world to us.

This year, let’s aim higher, dream bigger, and step up together!

Here’s to a year filled with exciting moves, new opportunities, and maybe even fewer interest rate surprises (we can dream, right?). Cheers to 2025! 🥂

If “new year, new home” is on your resolution list, you know where to find us. Let’s make it happen!

26/12/2024

🎄 Merry Christmas from Step Up Financial Services! 🎄

Did you know that Boxing Day is one of the busiest days of the year for property searches on Rightmove? 🏡 After the festivities, many people start thinking about their next move and begin searching for their dream home.

If that’s you, it’s important to get your finances in order first! A mortgage agreement in principle (AIP) not only gives you a clear understanding of your budget but also puts you in a stronger position when making an offer.

At Step Up Financial Services, we’re here to make the process simple, guiding you every step of the way. Whether you're a first-time buyer or planning your next move, we can help.

📞 Get in touch to discuss how we can help you prepare for a successful house hunt.

Let’s get you a step closer to your dream home!

09/12/2024

Feeling like the Monday blues have you on the shelf? Don’t worry, even elves need a helping hand sometimes! Let us work some mortgage magic and get you moving towards your dream home this festive season. 🎄

30/11/2024

Attention First-Time Buyers: Act Now Before Stamp Duty Costs Rise in April 2025!

If you’re a first-time buyer planning to purchase your dream home, here’s why now is the time to act:

From April 2025, the government is introducing changes to Stamp Duty thresholds for first-time buyers. Currently, you pay no Stamp Duty on properties priced up to £425,000. However, this threshold will decrease to £300,000 in April.

Here’s what this means for you:

▪️Buying a home for £400,000 now: You pay £0 Stamp Duty (thanks to the current threshold).

▪️Buying the same home after April 2025: You’ll pay £5,000 in Stamp Duty.

That’s an extra cost that could impact your budget, deposit, or plans for furnishing your new home. Acting before April could save you thousands.

At Step Up Financial Services, we’re here to help you understand your options, secure the best mortgage deal, and navigate the buying process with confidence.

If you’re planning to buy, let’s discuss your plans and get things moving.

📩 Contact us today to arrange a chat and take the next step toward your new home.

07/11/2024

🌟 Bank of England Cuts Interest Rates to 4.75% 🌟

Great news! The Bank of England has reduced interest rates to 4.75%—the second cut recently after rates peaked at 5.25%.

🔍 What does this mean for your mortgage?

◾Fixed-rate mortgage? No immediate changes, but better deals could emerge soon.

◾Variable-rate or tracker mortgage? You might see changes to your monthly payments depending on your lender.

💡 The mortgage market is constantly evolving. Whether you’re moving home or have a remortgage coming up, now’s a great time to explore your options. Rates may be different from your last deal, but these recent changes could mean better news for your budget. You might be pleasantly surprised by what’s available!

💬 Let us help you make sense of it all!

We’ll provide tailored advice based on your unique circumstances, giving you clarity in a fast-changing market.

📞 Book a review today! Let’s find the right deal for you.

⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.

04/11/2024

🏡 Looking to Buy a Home or Review Your Mortgage? We’re Here to Help – with No Advice Fee 🏡

Thinking about buying your first home, moving to a new place, or just want to make sure your current mortgage still suits you? At Step Up Financial Services, we know every financial journey is unique – and we’re here to make sure yours is in good hands.

I’m Jenny, owner and advisor, and together with our new trainee Loren, we’re dedicated to offering practical, no-nonsense advice for families and individuals. As hardworking parents ourselves, we understand the real-life challenges that come with big financial decisions – and we’ll work with you every step of the way to make them easier.

To help make your journey even smoother, we’re pleased to offer our advice with no fee – making it the perfect time to get the guidance you need!

Why choose us?
✅ Personalised, Friendly, approachable service with jargon-free advice
✅ Options that fit your family’s budget and lifestyle
✅ Support with mortgages, remortgages, and insurance that puts your needs first
✅ Flexible hours to suit your schedule

Let’s get you moving toward your goals! Give us a like or message us to start a conversation. We’d love to hear how we can help you take that next step with confidence. 🌟

31/10/2024

🎃 Happy Halloween from Jenny and Loren at Step Up Financial Services 🎃

The autumn budget announcement has spooked a few people, and we understand that financial updates can feel a little frightening! As mortgage brokers, we’re here to take the fear out of the process and guide you with clarity and confidence, especially if you’re considering buying a home before any changes in April 2025.

If you have questions about how the latest budget might impact your mortgage options, or if you're looking to buy your first home, don’t hesitate to reach out.

Wishing you a Halloween filled with treats, not tricks! 👻

26/09/2024

This is Lily! She is having a trial shift today at Step Up Financial Services today although I think shes failed as she’s currently sleeping on the job! 🥰

19/09/2024

Step onto the property ladder with help from a Professional Mortgage Advisor guiding you every Step of the way!

01/08/2024

The Bank of England Reduces Interest Rates to 5.00%.

Click the link to read more! https://www.clientnews.co.uk/emailview.php?id=VZFczZ1aaNlUsRmejZkVhN2aKVVVB1TP

08/07/2023

That’s tonight’s tipple sorted thanks to a lovely client of mine who wanted to show her appreciation for my help! Cheers 🥂

29/06/2023

📰 LATEST NEWSLETTER AVAILABLE NOW 🗞

Topics covered this month are:

1️⃣ What's going on with Mortgage Rates?
2️⃣ How long can you last without an income?
3️⃣ Making the most of your home!
4️⃣ The Costs of moving home!

CLICK THE LINK TO VIEW!

Chances are that you will have seen the news headlines in recent weeks – inflation remains way above the Bank of England’s target rate of 2%, meaning that interest rates are continuing to rise for far longer than originally expected. This is ultimately impacting mortgage rates making the cost of...