Inna Blazhko Cemap Mortgage and Protection Adviser

Inna Blazhko Cemap Mortgage and Protection Adviser Mortgages
First Time Buyers
Remortgages
BTL
Home Insurance
Life Insurance
Accident Protection

Today my client’s gorgeous Pomeranian assisted me throughout the meeting💕
10/08/2023

Today my client’s gorgeous Pomeranian assisted me throughout the meeting💕

11/07/2023

We are looking to add few new players to squad!
Futsal experience preferred but not essential.
If you are enthusiastic and committed this club is for you!
We offer:
🔹an environment where you can develop your futsal skills and play futsal going forward
🔹 a great club atmosphere
🔹 training twice a week
🔹 FA qualified coaches good training facilities
🔹 attractive membership package

If you want to test yourself in one of the best futsal leagues in the country, come and see if you've got what it takes!

For more details get in touch with us!👍

Little things can be life-changing – like the stepladder that wobbled once too often. So here’s one little thing you can...
11/07/2023

Little things can be life-changing – like the stepladder that wobbled once too often.

So here’s one little thing you can do to protect your financial future, if an accident leaves you unable to work.

Talk to me about income and accident protection today ☎️07834 230 540



Approved by The Openwork Partnership on 26/06/2023.

10/07/2023

New Mortgage Charter encourages lenders to provide you with more support🛡️

Banks and Building Societies have been encouraged by Chancellor Jeremy Hunt to offer more flexibility if you are finding it difficult to make mortgage payments. Mortgage lenders, the FCA, the Government as well as organisations such as UK Finance and the Building Societies Association have come together to provide you with a new Charter to give you reassurance and support through these tough times. They are committed to implementing this new Charter as soon as possible.

Lenders have an extensive range of measures they have agreed to, to help you if you’re finding it difficult. Lenders don’t want to repossess your home; repossession is either a last resort or when it is in your financial interest.

Under the new Charter, lenders’ promises include:

🔹Helping and guiding you if you’re worried about your mortgage repayments without it affecting your credit file.
🔹Supporting you in switching to a new mortgage deal at the end of your existing fixed rate without needing another affordability check, if you’re up to up to date with payments.
🔹Providing timely information to help you plan if you’re approaching the end of your current deal.
🔹Offering you tailored support if you’re struggling, such as extending your term to reduce your payments, with the option to go back to your original term within six months. A range of other options are available depending on your circumstances such as switching to interest-only payments for six months, temporary payment deferral or part interest, part repayment.
🔹You won’t be forced to leave your home without your consent, within a year from your first missed payment, and only in exceptional circumstances.
🔹From 10 July, if you’re approaching the end of a fixed rate deal, you will have the option to secure a new deal up to six months ahead. You can also request a better like-for-like deal that’s available with your lender up until your new term starts.

I am here to help you with any mortgage payment concerns you have. If you are currently in arrears, I can work with your lender to get the support you need.

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

Worried about mortgage lenders withdrawing their products and deals?The mortgage market is going through another unpredi...
26/06/2023

Worried about mortgage lenders withdrawing their products and deals?
The mortgage market is going through another unpredictable time with mortgage lenders withdrawing mortgage deals and increasing rates in a reaction to the recent news that inflation is slowing at a less-than-expected rate.
Do you need to remortgage now?
If you’re due to remortgage now, don’t panic! The good news is that help is at hand.
Despite the recent withdrawal of some mortgage products and rates, we still have access to thousands of mortgage rates and can search an extensive panel of lenders for you, finding deals and options that you may not have even considered. We’ll also be saving you hours of searching time and mortgage comparison headaches.
Speaking to an adviser can help during these unpredictable times
If you’re worried about remortgaging, seek mortgage advice from an expert. We have our fingers on the pulse of the mortgage market and are equipped with in-depth knowledge of the different mortgage products on offer. Our insider knowledge can make your remortgaging process simple, so are you ready to find the right mortgage for you?
Speak to Inna Blazhko today.
Call on 0783 423 0540

Approved by The Openwork Partnership on 12/06/2023

All those mortgage options can leave you unsure which way to turn. With a combination of expert know-how and the righ...
06/06/2023



All those mortgage options can leave you unsure which way to turn. With a combination of expert know-how and the right tools at our fingertips, we can find a remortgage deal that suits you – saving you hassle.

Why not talk to an expert advisers today?

Have a chat with an expert adviser today, call 07834 230 540

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

🤔 Is it time to check your contents insurance❓You should also review your contents insurance if you have any major life ...
30/05/2023

🤔 Is it time to check your contents insurance❓

You should also review your contents insurance if you have any major life changes for example:

1. If you move to a new home, you should review your contents insurance policy to make sure it still meets your needs. The value of your personal belongings may have changed, and you may need to adjust your coverage accordingly.

2. If you purchase expensive items, such as a new piece of jewellery or a high-end appliance, you should review your contents insurance policy to make sure these items are covered. Some policies have limits on the amount of coverage for certain types of items, so you may need to purchase additional coverage.

3. If you renovate your home, you may need to review your contents insurance policy to ensure that it covers any improvements or additions you have made. You may also need to increase your coverage to account for the increased value of your personal belongings.

4. If your circumstances change, such as getting married, having a child, or starting a home-based business, you should review your contents insurance policy to ensure that it still provides adequate coverage for your personal belongings.

Tips for reviewing your contents insurance:

Make a list of all your belongings and their value. This will help you to determine how much cover you need.
Check your policy documents to make sure that you understand any exclusions or limitations.
Speak to your financial adviser about any gaps in your cover.
Get Advice
It is important to review your contents insurance regularly to make sure that it still meets your needs. By doing so, you can be sure that you are properly protected in the event of a claim.

Approved by The Openwork Partnership on 18/05/2023.

🏡 New 100% Mortgage Are you renting and feel you are stuck in the “rent cycle” unable to save a deposit for your first h...
24/05/2023

🏡 New 100% Mortgage

Are you renting and feel you are stuck in the “rent cycle” unable to save a deposit for your first home?

A UK lender has begun offering a 100% mortgage for first-time buyers, where no deposit is required, if you*:

✅ have proof of having paid at least 12 months' rent in a row, during the last 18 months.
✅ have experience of paying all household bills (e.g utility bills, council tax etc) for at least 12 months in a row.

If you are looking to take your first steps on the property ladder get in touch for a chat.

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

There are other conditions that must be met in order to be eligible for this product which we can discuss with you.

Approved by The Openwork Partnership on 12/05/2023.

📣The Bank of England raised Base Rates by 0.25% to 4.5% their highest level since 2008.If you have a fixed rate mortgage...
11/05/2023

📣The Bank of England raised Base Rates by 0.25% to 4.5% their highest level since 2008.

If you have a fixed rate mortgage, your monthly payments won't be affected right now, but if you have variable or tracker mortgage you will already have seen an increase to your monthly payments and are likely to see further rises.

If you're concerned about your monthly payment get in touch ☎️ 07834 230 540

✨Existing news!🏡100% mortgage now available🏡A deposit-free Track Record Mortgage for renters lunched by Skipton Building...
09/05/2023

✨Existing news!

🏡100% mortgage now available

🏡A deposit-free Track Record Mortgage for renters lunched by Skipton Building Society.

For more information call ☎️ 0783 423 0540

01/05/2023

🏠 Mortgage Affordability🏠

💡How to improve your chances of passing a mortgage affordability assessment

🏠Getting on the housing ladder can feel like one of the hardest and longest processes in the world and the cost of living crisis is probably not helping. You need to come across as attractive buyers for lenders to consider you, but there are many factors that can reduce how much lenders are willing to let you borrow for your home.

🤔How do lenders decide whether to offer you a mortgage?

If you’re applying for a new mortgage, remortgaging or increasing your current mortgage, lenders are required to carry out an affordability assessment. This involves a variety of checks designed to make sure you can afford to repay what you borrow. According to the Independent, some two thirds of first-time buyers are rejected for a mortgage at their initial attempt. So, what can you do to boost your chances of passing an affordability assessment?

✅Evidence stable employment 💷

Many lenders ask for three years’ proof on income, although some will accept less. Even simply switching from one employed position to another can affect your chances of success. Some lenders like to see that you’ve been with an employer for at least three to six months before they’ll consider you.

✅Reduce your debts 💳

Lenders will look at your total income and then work out how much you need to maintain a basic standard of living. This will give them an idea of how much you can afford to spend on a mortgage. Reducing the amount you owe on things like credit cards and loans will increase the amount you have available and boost your chances of passing an affordability assessment.

✅Check your credit report 🔍

Before offering you a mortgage, lenders check your credit report. A poor credit history could affect the amount they’re prepared to offer or cause them to turn you away altogether. However, there are simple ways to improve your credit rating. Before applying for a mortgage, check your credit report for errors, , avoid applying for new credit in the six months leading up to the application and make sure you’re well within any existing credit limits.

✅Get professional advice 👩‍💻

Finding the right mortgage is important so we can assess your circumstances and get the right deal for you. We can save you the headaches and ensure you’re less likely to be turned down for a mortgage🦸🏼‍♀️💰🏠

Call me on☎️07834 230 540

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

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