Fresh Financial Advice

08/07/2020

The chancellor has just announced a freeze to Stamp Duty for house purchases up to £500,000 effective immediately!

This will run until 31st March 2021

To see how this affects you, whether you are a first time buyer or home mover, please get in touch

01392 927121

07732 292612

[email protected]

30/03/2020

MORTGAGE PAYMENT HOLIDAY EXPLAINED

As you may have been hearing in the news recently, if you are impacted by current coronavirus events then you may qualify for a mortgage payment holiday. You can take up to 3 months where your monthly payments will be put on hold (interest will still accrue on your mortgage).

There is confusion as to what impact this will have after the 3 months, so let me explain;

The monthly payments plus interest you miss will be added back onto the mortgage over the remaining term and would mean a slight increase to your monthly payments after the break. This is an example of what it could look like based on a 3 month holiday:

Current mortgage: £100,000

Interest rate: 2.75%

Term remaining: 20 years

Current monthly payment: £542

New monthly payment (after holiday): £551

Monthly increase: £9

So if you are concerned going forward or would like to discuss your situation now with our mortgage broker, existing or new clients, this is something we can help you with. All advice and processing of mortgage payment holidays will be free of charge.

Please email: [email protected] or
Call: 07732 292612

19/03/2020

Here you will find a list of updates from mortgage lenders on the three-month mortgage repayment holiday announced by the government.

If applicable, Halifax have a link on their website where you can make a request.

The latest updates from lenders relating to the mortgage payment holidays - in association with Knowledge Bank.

17/03/2020

Company update

Firstly, please keep yourselves and your family’s safe and healthy

In light of these unprecedented circumstances, Fresh Financial Advice would like to advise all of our clients we are still operating. If you do have any concerns or queries about your mortgage please don’t hesitate to contact us.

Contact info

📧 [email protected]
📧 [email protected]
📞 Alex 07732292612
📞 Sam 07496932847

10/03/2020

RBS & Natwest to offer mortgage breaks to their customers that are affected by coronavirus. Will other lenders do the same?

Bank will also increase credit card limits and let fixed-term savers withdraw cash early

19/02/2020

Buying a home is likely to be the largest financial commitment you ever make, and it is vital that you have the right mortgage. When it is your first step on to the property ladder, the choices can sometimes be daunting.

With so many mortgage lenders offering so many products, Fresh Financial Advice can guide you through the complexity of today’s mortgage markets. We provide a bespoke mortgage recommendation that is not only suitable for your individual needs, but also as competitive as it can be.

We offer a comprehensive range of mortgages from the whole of the market and have access to exclusive rates not always available on the high street. Our level of service, our size, and our access to market-leading products means we are perfectly placed to find the perfect mortgage for you

07/02/2020

"We grow our business, by helping you grow yours"

From sole trader to limited companies, we believe that ensuring you have the right finances in place to support the growth or the requirements in your business is good business sense.

If anything, a business loan is not a means to an end, but a fundamental and in many cases a means to success.

We are based just outside of Exeter alongside our sister company Fresh Accountancy, please do get in touch if we can be of assistance in any way.

15/01/2020

Here at Fresh Financial Advice, we are here to assist your business lending needs, whether it be for growth, refinance or any other need for borrowing, we specialise in the following:

- Commercial Mortgage’s
- Business Loans (secured/unsecured)
- Asset Finance
- Invoice Finance
- Higher Purchase
- Public Liability
- Commercial Insurance

Whether you're a sole trader, partnership or company director feel free to get in touch with us 👍

06/01/2020

🥳Happy New Year 🥳

As it is the time of year for resolutions and forward planning, are you wanting to look at your finances? Weather you need to release equity? Or looking to re-mortgage for more funds to modernise your home? Perhaps, your a first time buyer and not sure on who to talk too.

If so, please do not hesitate to contact ourselves & we will find you the best possible deal that fits your needs 👍

Experts predict a short-lived burst of pent-up activity in the housing market - but not price rises.

23/12/2019

As Christmas is here and the year comes to an end, we find ourselves reflecting on the past year and those who have helped to shape our business. It’s been quite a year for us all! We hope that 2019 has been just as memorable for you and your loved ones. We look forward to working with you in the years to come.

Merry Christmas & a Happy New Year🎄🥳

16/12/2019

⭐️ENTER OUR COMPETITION TO WIN A HAMPER⭐️
Nothing says Christmas more than a hamper of delicious food to share with friends & family! We have teamed up with The Ginger Cat Deli for one lucky winner to enjoy this amazing hamper over the festive season 🎄
TO ENTER:
✔️ Like our page
✔️ Share this post
✔️ Answer this simple question - Which of Santa’s reindeer’s has a red nose?

Giveaway closes Friday 20th at 12pm. The winner will be announced shortly after 👍🏽

Good luck 🍀