Purely Financial Planning

31/01/2022

𝗙𝗶𝗻𝗱𝗶𝗻𝗴 𝗴𝗼𝗼𝗱 𝘃𝗮𝗹𝘂𝗲 𝗣𝗼𝗹𝗶𝗰𝗲 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲𝘀 👮🚓

Many mortgage lenders welcome customers in the police force - you’re employable and responsible borrowers. We’ll help you find a deal that:

👉includes overtime as income
👉maximises your borrowing potential
👉has competitive rates and fees

Find out more

Looking for police mortgages doesn’t have to be difficult. Purely Financial Planning will help you find lenders and products to buy a home.

24/01/2022

🧑‍𝗪𝗵𝗮𝘁 𝗶𝗳 𝗜 𝗮𝗺 𝗮 𝗦𝗲𝗹𝗳-𝗘𝗺𝗽𝗹𝗼𝘆𝗲𝗱 𝗼𝗿 𝗳𝗿𝗲𝗲𝗹𝗮𝗻𝗰𝗲 𝗧𝗲𝗮𝗰𝗵𝗲𝗿?

The only real difference is in how you prove your income, all of the checks and the process of a mortgage application are the same as a full time PAYE employee. You will need to be ready to prepare up to three years’ worth of accounts as well as your tax overviews and SA302 forms.

Speak to a mortgage expert at Purely Financial Planning beforehand to discuss your options.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

https://bit.ly/3laoeJg

17/01/2022

𝗪𝗶𝗹𝗹 𝘁𝗵𝗲 𝗚𝗼𝘃𝗲𝗿𝗻𝗺𝗲𝗻𝘁’𝘀 𝗻𝗲𝘄 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗚𝘂𝗮𝗿𝗮𝗻𝘁𝗲𝗲 𝘀𝗰𝗵𝗲𝗺𝗲 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂?

Want to buy a home but only have a 5% deposit? This new scheme could help.

The Mortgage Guarantee Scheme means more lenders will be offering 95% loan-to-value, fixed rate mortgages.

Talk to Purely Financial - we’ll recommend some options for you

https://bit.ly/2VmdNak

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

10/01/2022

𝗗𝗼 𝗜 𝗾𝘂𝗮𝗹𝗶𝗳𝘆 𝗳𝗼𝗿 𝗮 𝗱𝗶𝘀𝗰𝗼𝘂𝗻𝘁 𝗼𝗻 𝗺𝘆 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗮𝘀 𝗮𝗻 𝗡𝗛𝗦 𝘄𝗼𝗿𝗸𝗲𝗿? 🩺

Whilst specialist mortgage lenders do sometimes offer a range of discounts, to some NHS workers, although they are not easy to come by. These discounts will not automatically apply to you, as a member of NHS staff and usually only clinical staff are eligible.

Contact us to see how we could help you https://bit.ly/3lmL0xJ

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

There are specialist lenders out there who understand your position as an NHS worker and offer discounts due to your profession.

03/01/2022

𝗦𝗲𝗹𝗳-𝗘𝗺𝗽𝗹𝗼𝘆𝗲𝗱 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲𝘀 𝘄𝗶𝘁𝗵 𝗼𝗻𝗲 𝘆𝗲𝗮𝗿’𝘀 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝘀

Is it harder to get a mortgage 🏡 when you’re Self-Employed? Not necessarily.
We can help you get a mortgage if:

👉 you’re a sole trader, partner or limited company
👉 you only have a year’s accounts
👉 even just 9-10 months’ accounts

See how we can help you own a home https://bit.ly/3i89KHU

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

27/12/2021

𝗦𝗲𝗹𝗳-𝗘𝗺𝗽𝗹𝗼𝘆𝗲𝗱 𝗮𝗻𝗱 𝗹𝗼𝗼𝗸𝗶𝗻𝗴 𝘁𝗼 𝗕𝘂𝘆 𝘁𝗼 𝗟𝗲𝘁?

It’s easier than you think to buy a property to let if you’re Self-Employed. You just need to research a few questions

Which lenders are happy to take self employed customers?
Do you want an interest-only or repayment deal?
Do you have a 25% deposit?
What will be the best way to manage the tax?

Or, talk to us and we’ll help you find suitable deals: https://bit.ly/3zPSnBM

The Financial Conduct Authority does not regulate most Buy to Let Mortgages

20/12/2021

𝗜𝗺𝗽𝗿𝗼𝘃𝗲 𝘆𝗼𝘂𝗿 𝗰𝗵𝗮𝗻𝗰𝗲𝘀 𝗼𝗳 𝗮 𝗦𝗲𝗹𝗳-𝗘𝗺𝗽𝗹𝗼𝘆𝗲𝗱 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 🏡

When you’re Self-Employed, lenders want evidence of a steady or growing income. 📈
Good ways to improve your chances of being accepted are:

👉 Have two years+ accounts
👉 Take dividends in months preceding the mortgage application
👉 Show evidence of new business contracts 🙌
👉 Save up a good deposit - 20%+ = good rates 💰

For more information see 👀 https://bit.ly/3zQPgcr

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

What are the necessary documents? If you aim to have 2-3 years of self-assessment forms and company accounts, as well as proof of ID.

13/12/2021

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗷𝗮𝗿𝗴𝗼𝗻 𝗲𝘅𝗽𝗹𝗮𝗶𝗻𝗲𝗱

Do you know your offset from your Equity Loan? Your Fixed-rate from your Tracker? Talking mortgages can sound a bit like gobbledegook.

A new jargon buster from Mortgage Brokers Purely Financial Planning explains the most common mortgage terminology in simple language. Take a look 👀 or listen 👂to our podcast

Do you know your offset from your Equity Loan? Your Fixed-rate from your Tracker? Talking mortgages can sound a bit like gobbledegook.

06/12/2021

What are the risks of Buy to Let?

Buy to Let can be a great investment opportunity, but there are certain risks:

👉covering the mortgage when the property is empty
👉costs: repairs, furnishings, advertising, insurance, tax
👉setting rent at an appealing yet profitable rate
👉repaying an interest-free loan at the end of the term

We’re highly experienced in Buy to Let Mortgages. Call us today https://bit.ly/2VkrhUl

The Financial Conduct Authority does not regulate most Buy to Let Mortgages

I am looking to invest in property and rent out homes to supplement my pension. What do I need to know to apply for a Buy to Let Mortgage

29/11/2021

🩺𝗛𝗼𝘄 𝗺𝘂𝗰𝗵 𝗰𝗮𝗻 𝗮 𝗗𝗼𝗰𝘁𝗼𝗿 𝗯𝗼𝗿𝗿𝗼𝘄?🩺

When it comes to mortgages doctors with a clean credit file and a good credit score can access up to five times their annual income. If you are a senior doctor lender will find you more favourable and sometimes even offer exclusive mortgage rates.

Speak to an expert at Purely Financial Planning to explore your mortgage options
today

https://bit.ly/3l8rSDt

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

There are specialist lenders out there who tailor their mortgage products to entice specific NHS professions. Get in touch today.

22/11/2021

When is remortgaging not a good idea?

The point of remortgaging is to get a better deal. But it’s not always the right solution, especially when:

👉You have little equity
👉You've had credit issues
👉Your circumstances have changed

For tailored advice on your mortgage options, contact us today https://bit.ly/2WzR6Aj

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

My fixed rate is coming to an end and I need to look at other mortgage deals available on the market so that I can reduce my payments.

15/11/2021

Getting a Home Mover mortgage 🏡

Finding a mortgage to move home can be exhausting. We can do the research for you and shortlist the most suitable deals. Whether you’re :

👉 Upsizing
👉 Downsizing
👉 Porting your mortgage
👉 Remortgaging
👉 Managing Equity

We can help - free of charge. Contact us today https://bit.ly/3BV0VZG

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

I have found my dream house but it's higher in value than my current mortgage deal. What options are available to keep my current rate?