This is great news for anyone looking to buy a home or remortgage!
What could this mean?
๐ Lower monthly payments for future rate reductions
๐ท With lower rates, you might be able to borrow more, giving you access to a wider range of products
Contact a mortgage broker today for more information! ๐ฑ
*your home may be repossessed if you do not keep up repayments on your mortgage*
31/01/2025
Is your Mortgage Rate due to expire soon, take action before it reverts to the standard variable rate! Hereโs what a broker can do for you:
- We can look to secure a new product up to 6 months prior to your rate coming to an end.
- Research the Market for available rates that suit your circumstances
- Check what your existing lender can offer
- Monitor the rates and if something better comes along we can make ensure we take advantage of this.
Contact a mortgage broker today to learn more! ๐ฑ
07/11/2024
๐ฆ UK Bank Rate cuts to 4.75%
This is positive news for anyone looking to buy a home or remortgage.
Hereโs what it could mean for you:
๐ก Your monthly repayments will be reduced if youโre on a tracker mortgage
๐ฐ With lower rates, you might be able to borrow more, giving you access to a wider range of options
๐ Now is the perfect time to review your mortgage options. Contact me today for personalised advice ๐
You can give me a call or WhatsApp on 07918083234, drop me a DM or an email to [email protected]
19/09/2024
UK Bank Rate Holds at 5% ๐ฃ
๐ก While there hasnโt been a rate cut today, September has already seen cuts across the mortgage market for those remortgaging.
First time buyers are benefiting from reductions, so itโs safe to say that itโs shaping up to be a positive autumn in the housing market ๐ก
If youโre looking to start your journey to homeownership or for those soon to remortgage, I can help you get mortgage ready โบ๏ธ
You can give me a call or WhatsApp on 07918083234, drop me a DM or an email to [email protected]
18/09/2024
Inflation remains at 2.2% ๐ฃ
Despite inflation not dropping to the Governmentโs target of 2%, there is still good news ๐ Some lenders have been reducing their rates, making it a great time for people to get mortgage ready ๐ก
Whether you are saving for a deposit, comparing rates, or just need some advice, Iโm here to help โบ๏ธ
๐ฃ Get in touch today for mortgage support.
You can give me a call or WhatsApp on 07918083234, drop me a DM or an email to [email protected]
16/09/2024
๐ Myth Busting Monday ๐
If you have selected a fixed rate (whether that be a new fixed rate for one that is due to expire or a remortgage / new purchase that has not yet completed), and the fixed rates with that lender have reduced, you may be able to select a new fixed rate! This however does come with a word of warning โ ๏ธ Some lenders may require a new credit search or request new documents when selecting a new rate and you could run the risk of the initial offer being withdrawn. I strongly recommend that you seek advice before doing this but it is something that may help ๐
Make sure you speak to a mortgage advisor who is representative of the whole of the market. They can research your options based on your individual circumstances.
* your home may be repossessed if you do not keep up repayments on your mortgage *
05/07/2024
News Desk: Labour wins the UK general election ๐ฃ
With the election results in, you might be wondering what this means for your mortgage ๐ค
Economic stability could mean reduced interest rates - or, at the very least, consistent rates.
Donโt forget - our expert mortgage advisors are here to guide you through every step of your mortgage journey ๐ก
Want to more or speak to an advisor? Get in touch. You can give me a call or WhatsApp on 07918083234, drop me a DM or an email to [email protected]
06/06/2024
Not mortgage related I know but I wanted to wish my youngest daughter Hallie a very happy 7th birthday ๐ ๐ฅณ My mini mortgage advisor in the making ๐คฃ
22/05/2024
๐ฃ News Desk - Inflation has fallen to 2.3%๐ฃ
What is happening in the mortgage market right now?
๐ Some lenders have been increasing their rates and others decreasing them
๐ A base rate cut is still on the cards for the summer
๐ Now is the time to ensure youโre mortgage ready, so youโre prepared when the time comes
Whether youโre thinking about rates, deposits or just need some advice, weโre here to help ๐
๐จ Stay tuned for a more in-depth look at the inflation figures and what they mean to you!
Please feel free to give me a call or WhatsApp on 07918083234, drop me a DM or an email to [email protected]
13/05/2024
๐ Myth Busting Monday ๐
The majority of mortgage lenders are a lot more open to maternity/paternity leave than some may think. They do not discriminate and you will likely still be able to borrow based on your return to work salary rather than your maternity/paternity pay ๐
The lender will usually require confirmation from your employer to ascertain your return to work salary and your likely return to work date ๐ However any future childcare costs will also be taken into consideration when assessing affordability ๐ง
Make sure you speak to a mortgage advisor who is representative of the whole of the market. They can research your options based on your individual circumstances.
* your home may be repossessed if you do not keep up repayments on your mortgage *
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Contact The Business
Send a message to Michelle Wragg - Mortgage & Protection Advisor:
Hi everyone and thank you for visiting my page :-) So let me tell you a little something about me and why I do what I do.....
I am a wife to my long suffering hubby Michael and mummy to my two beautiful girls, Amelia & Hallie. They keep me on my toes thats for sure but they are my world and the reason for doing what I do! And what is it exactly that I do?......yes I am a Mortgage & Protection Advisor but I see my job as so much more than that. Being a wife and a mum, I know how hard it is to run a family, pay the bills, look after the house, the school run etc. The list is endless and life is so busy for so many people. The last thing that you want to be doing when you are going through the stressful time of buying a home, remortging or taking out insurances (I mean there are so many different insurances, where do you even start?!) is to be calling call centres, speaking to lots of differernt people, being passed from pillar to post, booking time off work to meet with mortgage advisors, solicitors etc.
Enter Michelle......
What I havent yet told you is before I became a mortgage advisor back in March 2018, my entire career has been in the property industry. Sales, Lettings, Property Management - you name it, ive done it. I worked my way up from an Admin to Managerial level all before the age of 27. What this experience has given me, is the ability to hold your hand and take as much stress away from your shoulders as possible. I help clients to negotiate on their dream homes as it can be scary, I can help advise landlords of likely costs and expenses and I can make sure that you have the right protection in place for you, your family or your business. Also, no need to take time off work to see me. If evenings or weekends work best for you, then I will work around you. As cheesy as it may sound...I work for you, not the bank!
So thats me. As you can probably tell, I LOVE my job. Being able to help people and their families is my passion x
