Home Mortgage Services

21/12/2025

That’s our girl! Congratulations Andi, we are so proud of you! 👏🏻👏🏻👏🏻

Wishing all at Coventry Godiva FC a very merry Christmas 🎄

02/11/2025

👏🏻👏🏻 congratulations to our Sponsored player Sophie!

Well done to Under 13's Player of the Match, Sophie!
"Not just for her play but for her leadership and communication. She was constantly encouraging and organizing from the back — probably louder than the coaches at times!"

Sponsored by; Home Mortgage Services

06/09/2025

Wishing the best of luck for the new season to our sponsored players Sophie (U13s) and Andi (U8s) playing for Coventry Godiva FC.
Go get em girls ⚽️ 💙🩶🧡

23/01/2025

Top Tips for First-Time Buyers in the UK
Buying your first home is an exciting journey, but it can also feel overwhelming. Follow these top tips to make the process smoother and more successful!

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1. Save for Your Deposit Early
• Aim for at least 5-10% of the property price for your deposit.
• A larger deposit can help you access better mortgage rates and lower monthly payments.
Pro Tip: Set up a dedicated savings account.
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2. Check Your Credit Score
• Your credit score plays a key role in mortgage approvals.
• Regularly check your score and correct any errors.
• Pay off small debts and avoid taking on new credit before applying.

Pro Tip: Use services like Experian, ClearScore, or Equifax to monitor your credit.
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3. Understand Your Budget
• Calculate how much you can afford, considering your deposit, income, and monthly expenses.
• Factor in additional costs like solicitor fees, surveys, and stamp duty.
Pro Tip: Contact our expert advisor today to estimate your borrowing power.
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4. Research the Area
• Visit the area at different times of the day to assess noise levels, traffic, and amenities.
• Check local schools, transport links, and future development plans.
Pro Tip: Use online tools like Rightmove or Zoopla to compare properties in your preferred location.
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5. Be Prepared for Additional Costs
• Home-buying costs don’t stop at the deposit. Account for:
o Stamp duty (if applicable)
o Survey fees
o Solicitor fees
o Moving costs

Pro Tip: Always have a contingency fund for unexpected expenses.

17/12/2024

Act Now: Beat the 2025 Stamp Duty Changes!

Attention Homebuyers!
Major Stamp Duty Land Tax (SDLT) changes are coming into effect on April 1, 2025. These new rules could increase the cost of buying your dream home.

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What’s Changing?
First-Time Buyers:
• Tax-free threshold reduced from £425,000 to £300,000.
• 5% Stamp Duty on the portion between £300,001 and £500,000.
• No relief on homes over £500,000.
Other Buyers:
• Tax-free threshold reduced from £250,000 to £125,000.
• Higher rates will apply to portions above these limits.
Investors and Second-Home Buyers:
• Surcharges apply from £125,000 (down from £250,000).

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Don’t Wait — The Clock Is Ticking!

Contact us today to become mortgage ready for the new year and give yourself the best chance of beating the increase.
Website: www.homemortgageservices.co.uk
Phone: 07825331971
Email: [email protected]
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Whether you to buy your First Home, 2nd Home, Investment Home, Newly Built Home, Cheaper Home, the right advice begins at Home Mortgage Services, find out more by contacting us directly.

05/12/2024

Ready to Own Your Dream Home? Together We Can Make It Happen!

Worried about finding the most suitable mortgage in today’s market?

We simplify the process with personalized advice and the latest deals. Whether you're a first-time buyer, Home Mover, Have a low credit Score or even a Limited Company , we have got you covered."

Contact us now to become Mortgage Ready for the New Year

06/09/2024

Just a heads up, if anyone is out there looking at a new Tesla, I have a referral code which we get you a £1,000 off the price.. they don’t negotiate, so worth having..

27/03/2024

04/09/2023

Following on from the succesful launch of their track record mortgage product. The Skipton Building society has extended eligibility to applicants who havent owned a home for the past 3 years.

No deposit needed!!!
Borrow up to £600,000
The monthly payment cannot be more than your current monthly rental payment.

https://www.skipton-intermediaries.co.uk/criteria/track-record

For fruther information please contact Home Mortgage Services because the right advice begins at Home....