David McDonald Financial Services

23/04/2023

A Massive thank you to David McDonald Financial Services, who has very generously sponsored our 2009’s team, kitting them out with match kit, training kit and 1/4 zippers.

David and his team are on hand to give a straight forward solution to all of your financial needs!

16/12/2022

🎅 🎄 MERRY CHRISTMAS 🎄 🎅

Merry Christmas from the team here at David McDonald Financial Services.

We’d like to thank our clients for their continued support throughout 2022. It’s been a challenging year given the current market conditions and movement of mortgage interest rates but we’ve continued to work hard to find the right solutions for our clients.

After some well earned rest over the festive period we’ll be back in 2023 to continue to provide help and support to all new and existing clients in the year ahead.

We hope you all have a very Merry Christmas and a Happy New Year 🥳 🎄

14/12/2022

14/12/2022

At Dawn Homes, we work with independent financial adviser, David McDonald Financial Services, who specialises in New Builds & we're pleased to share some positive market updates from them:

"The average five-year fixed mortgage rate fell below 6% for the first time in almost 2 months, with over 7 lenders reducing their rates, with some even sitting below 5.2%.

With rates spiking after September's mini-budget announcement to a high of 6.51% in October, it's great news for new homeowners.

With average rates as lows as 3.95% on other products such as tracker rates, it shows that the new housing market is still strong and in a good position for those looking to buy".

01/12/2022

1st of December means it’s time to get in the festive spirit 🎄 🎅

16/09/2022

Delighted to announce that we are sponsoring local team Easterhouse FA’s Saturday morning team this season. Best of luck for the season ahead.

06/07/2022

***PLEASE READ***

Interest rates are on the rise and they are on the rise quickly. The base rate has increased by 0.25% steadily throughout the past 12 months but all the signs are that it could start increasing in larger increments.

We’re already seeing clients mortgage payments increasing when it comes to renewing their fixed rates but the further the rates rise, the bigger the increase in mortgage payments.

A mortgage of £200,000 will see an increase of roughly £100 per month in your mortgage payment if your rate increases by 1%.

If you’ve been in a fixed rate for over a year then by the time you come to look at your mortgage again the interest rates could have risen by over 2%!!!

If your mortgage rate is due up soon or you’re looking to buy something then please get in touch 🏡📈

24/05/2022

Brilliant day at the New Homes Scotland annual lunch through in Edinburgh on Friday. Thanks to for having us. Congratulations to all the winners 🏡🏆

Great to see how builders are always looking to improve and provide the best possible homes for buyers. If you are looking at purchasing a new home or want to know more then please get in touch 📞

10/05/2022

More kind words from clients! One thing that’s clear from a lot of the feedback is how much clients value communication. Getting back to people when you say you will and keeping them in the loop isn’t difficult but it goes a long way to ensuring your client feels involved and up to date.

At the end of the day our job is to get the best result for the client so it’s always great to hear they are delighted with the outcome 🏡

25/04/2022

Yet another article confirming just how difficult it is for first time buyers to get on the property ladder as house prices in Glasgow continue to soar.

• Are you a first time buyer?

• Are you worried about how you’re going to be able to afford your first property?

• Do you not fully understand how the buying process works and what is required?

If you’re in this situation then please get in touch for a no obligation meeting with one of our advisers 🏡👔

12/04/2022

With the cost of living rising it’s more important than ever to keep on top of your expenses.

Is your mortgage interest rate fixed? Are you sitting on a variable rate? If your mortgage payment has changed over the last few months and you’re not sure why then get in touch, we may be able to help fix your payments to help you budget.

Some people see life insurance as an expense and as things become tighter then you may be tempted to cancel your policy to save some money. But in the long term, if you died or became critically ill then what would your family lose out on? Would they be able to maintain the same house, standard of living etc without the insurance proceeds?

At a time when people are more conscious of what they are spending it’s important to understand the value of your insurance policies.

Please get in touch for a free consultation if you think we might be able to help! 🏡🧾

24/03/2022

This week Ash Barry announced her retirement from tennis, going out on her own terms as World No 1 and the reigning Wimbledon and US Open champion.

This got us to think, how many people are in a position to retire on their own terms? Do you know how much you need to be saving towards your retirement to give you the level of income you want when you call it a day? Do you put money in to a pension each month but have no clue about where it’s invested or how to access it if and when required?

Retirement may seem far away to some, but if you prepare for it early then there’s a chance it could come sooner than you expected.

Retiring at 25 is easy with £20mill in prize money behind you, but what Barty done this week doesn’t have to be something only elite athletes can do. Prepare for your retirement early so you can make the same decision to retire when the time is right for you. Albeit maybe not quite at 25! 👶🏼💰