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B R Needham Financial Services Ltd

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B R Needham Financial Services Ltd

Mortgage & Protection Advice covering Suffolk, Lincolnshire & Yorkshire Offering mortgage advice to clients throughout East Anglia since 1990.

Your home may be repossessed if you do not keep up repayments on your mortgage. You can choose how we are paid for mortgages: pay a fee of 1% of the loan amount or we can accept commission from the lender.

06/09/2023

𝗪𝗵𝗮𝘁 𝗶𝘀 𝗮𝗻 𝗔𝗴𝗿𝗲𝗲𝗺𝗲𝗻𝘁 𝗶𝗻 𝗣𝗿𝗶𝗻𝗰𝗶𝗽𝗹𝗲?

An Agreement in Principle is confirmation that a lender is happy to offer you a certain amount to buy a home. Having an Agreement ready puts you in a position to view properties and put an offer in - knowing that you can get the loan you need.

Listen to our full mortgage guide for First Time Buyers: https://brneedham.co.uk/first-time-buyers/

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

30/08/2023

𝗦𝗵𝗼𝘂𝗹𝗱 𝗜 𝗰𝗵𝗼𝗼𝘀𝗲 𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁-𝗼𝗻𝗹𝘆 𝗼𝗿 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗼𝗻 𝗮 𝗕𝘂𝘆 𝘁𝗼 𝗟𝗲𝘁 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲?

Most landlords choose an interest only Buy to Let mortgage so that they can maximise their monthly profits. The payments are lower, but you will need to repay the loan in full at the end of the term.

What you choose will depend on your goals and your situation. Find out more: https://brneedham.co.uk/buy-to-let/

𝗬𝗼𝘂𝗿 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗺𝗮𝘆 𝗯𝗲 𝗿𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀.

𝗧𝗵𝗲 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗖𝗼𝗻𝗱𝘂𝗰𝘁 𝗔𝘂𝘁𝗵𝗼𝗿𝗶𝘁𝘆 𝗱𝗼𝗲𝘀 𝗻𝗼𝘁 𝗿𝗲𝗴𝘂𝗹𝗮𝘁𝗲 𝘀𝗼𝗺𝗲 𝗕𝘂𝘆 𝘁𝗼 𝗟𝗲𝘁 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲𝘀.

23/08/2023

𝗪𝗵𝗮𝘁 𝗵𝗮𝗽𝗽𝗲𝗻𝘀 𝗶𝗳 𝗜 𝗱𝗼𝗻'𝘁 𝗿𝗲𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝘄𝗵𝗲𝗻 𝗺𝘆 𝗳𝗶𝘅𝗲𝗱-𝗿𝗮𝘁𝗲 𝗱𝗲𝗮𝗹 𝗲𝘅𝗽𝗶𝗿𝗲𝘀?

If you don't remortgage, you will be moved to the lender's Standard Variable Rate, which is often much higher than the fixed rate.

Because it's variable, the lender can change it whenever they want. Contact us six months before your current scheme ends to avoid ending up on that expensive standard variable rate.

Find out more: https://brneedham.co.uk/remortgage/

𝗧𝗵𝗶𝗻𝗸 𝗰𝗮𝗿𝗲𝗳𝘂𝗹𝗹𝘆 𝗯𝗲𝗳𝗼𝗿𝗲 𝘀𝗲𝗰𝘂𝗿𝗶𝗻𝗴 𝗼𝘁𝗵𝗲𝗿 𝗱𝗲𝗯𝘁𝘀 𝗮𝗴𝗮𝗶𝗻𝘀𝘁 𝘆𝗼𝘂𝗿 𝗵𝗼𝗺𝗲. 𝗬𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗺𝗮𝘆 𝗯𝗲 𝗿𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲.

16/08/2023

𝗪𝗵𝗲𝗻 𝗶𝘀 𝗶𝘁 𝗮 𝗴𝗼𝗼𝗱 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗿𝗲𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲?

You should start looking at remortgaging at least six months before your fixed rate is due to end.

You can also remortgage to change the terms of your mortgage or borrow more. We explain all in this podcast: https://brneedham.co.uk/remortgage/

𝗧𝗵𝗶𝗻𝗸 𝗰𝗮𝗿𝗲𝗳𝘂𝗹𝗹𝘆 𝗯𝗲𝗳𝗼𝗿𝗲 𝘀𝗲𝗰𝘂𝗿𝗶𝗻𝗴 𝗼𝘁𝗵𝗲𝗿 𝗱𝗲𝗯𝘁𝘀 𝗮𝗴𝗮𝗶𝗻𝘀𝘁 𝘆𝗼𝘂𝗿 𝗵𝗼𝗺𝗲. 𝗬𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗺𝗮𝘆 𝗯𝗲 𝗿𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲.

09/08/2023

𝗛𝗼𝘄 𝗱𝗼𝗲𝘀 𝗽𝗼𝗿𝘁𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝘄𝗼𝗿𝗸?

Porting is where you take your current mortgage to a new property. It’s very popular currently as new mortgage deals have higher interest rates than deals set up two or three years ago.

You can port your mortgage, keep the same rate, avoid early repayment charges and extend your borrowing. Find out more: https://brneedham.co.uk/home-movers/

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

02/08/2023

𝗪𝗵𝗮𝘁 𝗰𝗼𝘀𝘁𝘀 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗯𝗲 𝗰𝗼𝗻𝘀𝗶𝗱𝗲𝗿𝗲𝗱 𝘄𝗵𝗲𝗻 𝗺𝗼𝘃𝗶𝗻𝗴 𝗵𝗼𝘂𝘀𝗲?

When you’re selling one property to move into another, there are various costs to consider, including your deposit and the stamp duty due on the new property.

There are also estate agent fees, legal costs, mortgage fees and valuation. You may also need to factor in removals and storage costs.

Listen to our podcast episode for more information https://brneedham.co.uk/home-movers/

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

26/07/2023

𝗪𝗵𝗲𝗻 𝗶𝘀 𝗶𝘁 𝗮 𝗴𝗼𝗼𝗱 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗽𝗮𝘆 𝗼𝗳𝗳 𝗮 𝗛𝗲𝗹𝗽 𝘁𝗼 𝗕𝘂𝘆 𝗹𝗼𝗮𝗻?

Because the Help to Buy equity loan is free for five years, most people leave it to run and then repay it once the interest-free period is ending.

If your mortgage deal is coming to an end, it can make sense to remortgage and borrow more to repay that loan. We explain how it works on this podcast: https://brneedham.co.uk/remortgage/help-to-buy-remortgage/

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

12/07/2023

𝗜𝘀 𝗶𝘁 𝗵𝗮𝗿𝗱𝗲𝗿 𝘁𝗼 𝗴𝗲𝘁 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗶𝗳 𝘆𝗼𝘂 𝗮𝗿𝗲 𝘀𝗲𝗹𝗳-𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗱?

It’s a little trickier because lenders are so different in their criteria for a self-employed person. A good broker will make it much easier, by finding the correct lender for your situation.

Find out more on our self-employed mortgages podcast: https://brneedham.co.uk/self-employed-mortgage/

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

05/07/2023

𝗪𝗵𝗮𝘁 𝗶𝗳 𝗜 𝗼𝗻𝗹𝘆 𝗵𝗮𝘃𝗲 𝗼𝗻𝗲 𝘆𝗲𝗮𝗿’𝘀 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝘀, 𝗰𝗮𝗻 𝗜 𝘀𝘁𝗶𝗹𝗹 𝗴𝗲𝘁 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲?

Yes, some mortgage lenders will accept you with one year’s accounts, but the majority prefer you to have two or three years' records.

A good broker will guide you to the right lender and product for your situation. Listen to our podcast on self-employed mortgages: https://brneedham.co.uk/self-employed-mortgage/

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

28/06/2023

𝗪𝗵𝗮𝘁 𝗱𝗲𝗯𝘁 𝗱𝗼 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗹𝗲𝗻𝗱𝗲𝗿𝘀 𝗰𝗼𝗻𝘀𝗶𝗱𝗲𝗿?

The most common debts to consolidate onto a mortgage are credit card balances and personal loans. But lenders will consider other debts too.

The best approach is to talk to a broker about your situation and what the options are. Find out more on our consolidation remortgage podcast: [Link]

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

𝗧𝗵𝗶𝗻𝗸 𝗰𝗮𝗿𝗲𝗳𝘂𝗹𝗹𝘆 𝗯𝗲𝗳𝗼𝗿𝗲 𝘀𝗲𝗰𝘂𝗿𝗶𝗻𝗴 𝗼𝘁𝗵𝗲𝗿 𝗱𝗲𝗯𝘁𝘀 𝗮𝗴𝗮𝗶𝗻𝘀𝘁 𝘆𝗼𝘂𝗿 𝗵𝗼𝗺𝗲. 𝗬𝗼𝘂 𝗺𝗮𝘆 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗽𝗮𝘆 𝗮𝗻 𝗲𝗮𝗿𝗹𝘆 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗰𝗵𝗮𝗿𝗴𝗲 𝘁𝗼 𝘆𝗼𝘂𝗿 𝗲𝘅𝗶𝘀𝘁𝗶𝗻𝗴 𝗹𝗲𝗻𝗱𝗲𝗿 𝗶𝗳 𝘆𝗼𝘂 𝗿𝗲𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲.

21/06/2023

𝗜𝘀 𝗱𝗲𝗯𝘁 𝗰𝗼𝗻𝘀𝗼𝗹𝗶𝗱𝗮𝘁𝗶𝗼𝗻 𝗮 𝗴𝗼𝗼𝗱 𝗶𝗱𝗲𝗮?

If you have a number of debts and the monthly payments are becoming unaffordable, it can be worth considering debt consolidation. Paying debt off over a longer period of time can reduce your monthly payments, however it will result in paying you more interest over the period.

This option needs to be taken very seriously. Chris explains on our consolidation remortgage podcast: https://brneedham.co.uk/remortgage/remortgaging-for-debt-consolidation/

𝗬𝗼𝘂 𝗺𝗮𝘆 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗽𝗮𝘆 𝗮𝗻 𝗲𝗮𝗿𝗹𝘆 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗰𝗵𝗮𝗿𝗴𝗲 𝘁𝗼 𝘆𝗼𝘂𝗿 𝗲𝘅𝗶𝘀𝘁𝗶𝗻𝗴 𝗹𝗲𝗻𝗱𝗲𝗿 𝗶𝗳 𝘆𝗼𝘂 𝗿𝗲𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲.

𝗧𝗵𝗶𝗻𝗸 𝗰𝗮𝗿𝗲𝗳𝘂𝗹𝗹𝘆 𝗯𝗲𝗳𝗼𝗿𝗲 𝘀𝗲𝗰𝘂𝗿𝗶𝗻𝗴 𝗼𝘁𝗵𝗲𝗿 𝗱𝗲𝗯𝘁𝘀 𝗮𝗴𝗮𝗶𝗻𝘀𝘁 𝘆𝗼𝘂𝗿 𝗵𝗼𝗺𝗲. 𝗬𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗺𝗮𝘆 𝗯𝗲 𝗿𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀.

14/06/2023

𝗛𝗼𝘄 𝗺𝘂𝗰𝗵 𝗰𝗮𝗻 𝘆𝗼𝘂 𝗿𝗲𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗳𝗼𝗿 𝗵𝗼𝗺𝗲 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗺𝗲𝗻𝘁𝘀?

The amount you can borrow will depend on the value of your property, your existing mortgage balance, your income and your expenditure. Some lenders only let you remortgage up to 85% of the value of the property.

Find out more on our remortgaging for home improvements podcast: https://brneedham.co.uk/remortgage/remortgaging-for-home-improvements/

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

𝗬𝗼𝘂 𝗺𝗮𝘆 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗽𝗮𝘆 𝗮𝗻 𝗲𝗮𝗿𝗹𝘆 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗰𝗵𝗮𝗿𝗴𝗲 𝘁𝗼 𝘆𝗼𝘂𝗿 𝗲𝘅𝗶𝘀𝘁𝗶𝗻𝗴 𝗹𝗲𝗻𝗱𝗲𝗿 𝗶𝗳 𝘆𝗼𝘂 𝗿𝗲𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲.

𝗧𝗵𝗶𝗻𝗸 𝗰𝗮𝗿𝗲𝗳𝘂𝗹𝗹𝘆 𝗯𝗲𝗳𝗼𝗿𝗲 𝘀𝗲𝗰𝘂𝗿𝗶𝗻𝗴 𝗼𝘁𝗵𝗲𝗿 𝗱𝗲𝗯𝘁𝘀 𝗮𝗴𝗮𝗶𝗻𝘀𝘁 𝘆𝗼𝘂𝗿 𝗵𝗼𝗺𝗲.

Address

Ashleigh House, Half Moon Lane
Grundisburgh
IP136UE

Opening Hours

Monday	9:15am - 8pm
Tuesday	9:15am - 8pm
Wednesday	9:15am - 8pm
Thursday	9:15am - 8pm
Friday	9:15am - 8pm

Telephone

+441473735660

Website

http://www.brneedham.co.uk/

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