Sarah Paterson, Mortgage Broker

10/10/2024

H is for Home Equity!

💰 Unlock the Power of Your Home Equity! 💰

Did you know your home could be sitting on a hidden source of cash? If you’ve been paying off your mortgage for a few years, or your property has risen in value, you’ve likely built up home equity – and it could be working harder for you!

Here’s how you can use your equity:
✅ Remortgage to access better rates or release funds for home improvements.
✅ Invest in a second property – use your equity to fund a buy-to-let or holiday home.

Curious about how much equity you’ve built up? Get in touch today for a free, no-obligation consultation! Let’s see how you can put your home to work for you. 🏡📈

06/10/2024

Do you know how important it is to understand your goals and having a solid grasp of your numbers is imperative when applying for a mortgage? 🏡💵

You will usually need your last 2 years of tax documents to apply. This can be reduced in certain circumstances.

Holly and her team provide a first class service to support you with this when starting a business. Or for those that are already established I would absolutely recommend Holly and her team. ❤️✅

When you first start your business, it’s all about the big dreams, goals, and ambitions you’re eager to achieve. But to reach those goals, having a solid grasp of your numbers is essential. That’s where iLex Accountancy, based in Gloucester, comes in.

We provide bespoke accounting, bookkeeping, tax advisory, and Xero services tailored specifically for small businesses. With our expert guidance, you can take full control of your finances and focus on turning your ambitions into reality.

Achieving success starts with managing your numbers!

📞 01452 260950
📧 [email protected]

03/10/2024

02/10/2024

🏖️ I’m off on holiday soon!✈️

If you’ve been thinking about sorting your mortgage or have any questions, now’s the time to book an appointment before I head off! 🗓️

I’ll be away from the 10th of October to the 23rd of October so let’s get everything sorted before then to keep your plans moving smoothly. 🏡✅

(It may or may not be a big birthday for someone you know 😅🙈)

Drop me a message or give me a call to schedule in.

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02/10/2024

🏡 Thinking of going green with your mortgage? Our office dog is! 🌱

Did you know that green mortgages are now available to help you save both energy and money? 💸✅ Whether you’re buying an energy-efficient home or looking to make eco-friendly improvements, a green mortgage can offer you:

✅ Lower interest rates
✅ Cashback incentives
✅ Support for energy-efficient home improvements

Not only can this help reduce your carbon footprint, but it could also help reduce your monthly bills! 💡🌍

Get in touch today to explore your options. Let’s make your dream home eco-friendly and budget-friendly too! 🌿💚

24/09/2024

💭 F is for Fixed v Variable Rate Mortgages

Wondering which is right for you?

Fixed-Rate’s…

🔒 Locked-in rate = stable monthly payments
📊 Ideal if you want peace of mind & protection from rate hikes
⚠️ You might miss out on lower rates if they fall.

Variable Rate’s…

🔄 Rate can change = payments go up or down
💰 Great if you're comfortable with a bit of risk & want to benefit from rate drops
⚠️ Be prepared for potential increases in payments.

Not sure which one suits you? 🤔 Let’s chat! I’ll help find the perfect mortgage for your needs. 💬

23/09/2024

🖤🤍 Heart Heroes Black and White Ball 🤍🖤

E is for EVENTS! We love attending charity events in the local community for such a worthwhile cause. Huge thanks to ILex Accountancy Services Ltd for a wonderful evening.

19/09/2024

📆 SAVE THE DATE 📆

I shall be talking about all things Financial Wellness on October the 9th, during your lunch break at Randall and Payne.



Info below 📥

18/09/2024

AD

C is for Credit File Tips...

🏦 Check Your Credit Report
Regularly review your credit file on platforms like Experian or Equifax. Spot any errors and report them ASAP to boost your score.

💳 Pay Off Debt Strategically
Focus on paying down high-interest debts first. This can improve your credit utilization ratio and boost your score.

📅 Never Miss Payments
Set up direct debits or reminders to ensure you always pay on time. Missed payments can seriously damage your score.

📈 Keep Credit Utilisation Low
Aim to use no more than 30% of your available credit. This shows lenders you’re responsible with borrowing.

🧾 Register on the Electoral Roll
Being on the electoral roll helps lenders confirm your identity, improving your creditworthiness.

📉 Avoid Too Many Credit Applications
Applying for several credit accounts in a short period can hurt your score. Space out your applications and only apply for what you need.

✨ For more mortgage advice and tips, DM us or you can check your Credit File by using the link below!

When big life moments depend on your ability to borrow money, your credit score can feel daunting. By combining data from Experian, Equifax and TransUnion, we help you know where you stand and how to grow.

17/09/2024

🏠 Thinking about investing in a Buy-to-Let property? 🏡

As a mortgage broker, I’m here to guide you through the process and find the perfect mortgage for your investment needs. Whether you’re aiming for extra income 💷 or building long-term wealth, Buy-to-Let could be a smart choice with the right support.

Get in touch today to explore your options and take the first step toward your property investment goals. 📞🔑

16/09/2024

📢 ILex Accountancy Services Ltd are Hiring!📢

Another A for you today!

My friend's established and super successful accountancy firm is looking for a talented accountant to join their team! If you’re experienced in tax preparation, auditing, bookkeeping, etc this could be the perfect opportunity for you.

Join a dynamic business that’s passionate about helping clients succeed financially. If you or someone you know is looking for an exciting new role, DM me for details or reach out to Holly at Ilex directly.

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📢 Important Reminder: Self Assessment Deadline Approaching! 📢

The deadline to register for Self Assessment tax returns is 5th October 2024. If you’re unsure whether you need to file, it’s crucial to check HMRC’s guidelines to see if you fall under the Self Assessment category. Make sure you're registered for the 2023/2024 tax year on time to avoid penalties!

Need help? Get in touch with us at iLex Accountancy for guidance.

📱 01452 260950
📧 [email protected]