Parnaby Evans Financial Advisers

31/05/2022

It's not all about the 💰. Agree? 🤔

30/05/2022

The journey as a First Time Buyer can be overwhelming for many 😵‍💫🤯

With hundreds of lenders and thousands of mortgages on the market, it can be quite difficult to navigate your way through to the finish line.

Fixed interest Rate… one, three, five years❓️

Or do you go variable❓️

Is 4.9% a competitive interest rate❓️

Why does this lender charge a monthly fee❓️

Big 4 Bank❓️

Little Lender❓️

Lenders Mortgage Insurance❓️

What government schemes could work for me❓️

There is so much jargon out there, it’s no wonder First Time Home Buyers usually, and unfortunately end up with a mortgage which costs them thousands in additional, unnecessary interest repayments each year 😮‍💨

And, to put it in perspective: unnecessary interest which could be in your back pocket is the difference of going on a holiday each year, or having the money to renovate your home, or simply living week to week with ease! 🤩

So, as you can understand – we want to AVOID unnecessary interest!

And his is where we can help ✅️

With the right guidance and support from a First Time Home Buyer Mortgage Specialist, your journey as a First Time Home Buyer can be as enjoyable as it should be, without the stress or hassle others often experience while navigating the process alone ✅️

You’re able to secure the home of your dreams, while knowing you have the most competitive mortgage outcome possible.

Let’s put together a plan on how you can purchase your First Home Sooner.

We’ll talk about the down payment you have, the down payment you need, the strategies available to you and how we can make it happen.

Contact us today for a complimentary mortgage strategy call 💬

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

28/05/2022

As interest rates continue to rise thousands of borrowers will be looking to fix their mortgage, but is this a good idea?

26/05/2022

Very true 🙌

25/05/2022

What does it REALLY mean to earn an income? 💰

We want to reframe what it means to be able to earn an income.

You will often hear people talk about viewing yourself as your most valuable asset. But we believe its more complex than that.

It's your ability to work that is truly valuable. And your time too.

Think about it - When you go to work, all you are really doing is selling your time ⏲️

Time that you could otherwise spend with your family or doing whatever makes you happy

In return, you are paid for your time. You sell your time because you need the money to pay for your lifestyle and the things you like to do in the remainder of your spare time.

It is a trade-off. Your time for money.

But if you fall ill and you are unable to work, the value of your time suddenly plummets (not societally but in terms of productivity).

Hence why you don't receive endless sick pay.

Products such as Income Protection are a means by which you can continue to be compensated for your time in the event of incapacity.

They continue to place value on your time even when others won't or can't.

Your ability to work is your most valuable asset.

So, protect it 🛡

Speak to us today about lifestyle insurances, such as Income Protection 💬

24/05/2022

The average price tag on a home has reached a record high for the fourth month in a row, jumping by £7,400 in May 🏡📈

The average price tag on a home in May was £367,501, up from £360,101 in April according to Rightmove

23/05/2022

Your Monday reminder💪

21/05/2022

The dream 🏠 💭🤩

20/05/2022

Feel free to send us a message if you have further questions around this or similar scenarios 💬

My sister wants to split the proceeds of the sale and use that and the sale of her own home to buy something for her, her husband and mum nearer to me, and other family, so we are able to help out.

19/05/2022

Calling teachers - do you have your income protected should you have to take time off work? 👩‍🎓👨‍🏫

Teachers are one of the top identified professions that take up income protection insurance.

Some teachers in the UK are fortunate enough to receive significant sick pay, which can be as much as 6 months of full sick pay and a further 6 months of half sick pay, but what happens after then?

An income protection policy can be deferred to kick in after this period ends.

The stressful nature of the role and higher risk of COVID infection are key contributors to the high number of take-up of income protection within the industry.

It is designed to cover your core monthly financial commitments such as your mortgage/rent, bills, and food.

Don't put it off any longer. Contact us today for a free quote 💬

18/05/2022

A reminder to recognise all types of progress and effort ❤️

17/05/2022

Anyone else? 🌿🪴😅