McCaffrey Mortgage Centre - Shirley Miller

06/05/2022

FEEL GOOD FRIDAY TIPS 💡

DEPOSIT
🗒 If you have saved your deposit, you will need to provide the bank statement to show the savings that have accrued over time. If your deposit is coming from Bank of Mum & Dad or a Grandparent, they will also be required to provide their bank statement to show that they have the fund available in their account.

🗒 They may also need to provide a letter or some lenders have a special form for a gifted deposit which they will need to complete and sign.

Want to get in touch? Ring 07739 043400 or email [email protected] for a free initial enquiry.

02/05/2022

If you are diagnosed with a critical or serious illness it can wreak havoc with your finances.

Critical illness policies are designed to pay a lump sum if you are diagnosed with a condition which is covered by your policy provider. This pay out can be used to pay off your mortgage, repay some debt, pay further treatment or rehabilitation. You can use the money to help with literally anything you may need 🙌🏼

If you would like to talk to me in confidence about setting up a critical illness policy, please get in touch on 07739 043400 or email [email protected].

28/04/2022

Check out the article below about the housing market 🏠

Need help or want a question answering? Please contact me on 07739 043400 or email [email protected].

While agents’ stock is still historically low, March saw more new properties come to the market bringing with them new buyers and a lift in sales being agreed, the latest data from Propertymark has revealed. It showed that buyers are still predominantly paying the asking price and above, keeping t...

25/04/2022

Have any mortgage questions?

Get in touch today on 07739 043400 or email [email protected] for a free initial enquiry.

19/04/2022

Could you pay your mortgage payments, gas and electricity bills and other associated living costs on £99.35 per week?

Most people assume that the UK Government would look after them if they were long term sick. In reality, you would only be entitled to £99.35 per week for 28 weeks.

Income protection policies will pay you a monthly income if you are sick for the short term (1, 2 or 5 years) or long term (until you recover)

If you would like to enquire about setting up an income protection policy please contact me on 07739 043400 or email [email protected].

15/04/2022

FEEL GOOD FRIDAY TIPS 💡

ID DOCUMENTS
🗒 Make sure that you check all your ID documents before you apply for a mortgage to ensure that they have not expired and they show your correct address.

🗒 Check your passport and driver’s licence, as lenders will want to see these documents to check your ID when you apply for a mortgage. They need to be correct.

Want to get in touch? Ring 07739 043400 or email [email protected] for a free initial enquiry.

12/04/2022

Are you looking to do some home improvements? Perhaps a nice extension with bi-fold doors and a new kitchen? Or maybe a new bathroom and some new windows? Do you want to build a home office in your garden so that you can work from home in peace?

If you would like to review the option of a re-mortgage to fund some home improvements, please get in touch on 07739 043400 or email [email protected] for a free initial enquiry.

05/04/2022

House Prices Going Up ⬆️🏠

If you are thinking of moving to a bigger property and need to talk to a mortgage broker about how much more you can borrow.

Please contact me on 07739 043400 or email [email protected].

Property values continue to surge despite cost of living pressures, the building society says.

03/04/2022

Are you looking to move to your dream home? Do you need an extra bedroom or a bigger garden? If you are looking to move to a bigger property, I can help you to find the best interest rate and match your individual circumstances to the most appropriate lender.

Get in touch today on 07739 043400 or email [email protected] for a free initial enquiry.

01/04/2022

FEEL GOOD FRIDAY TIPS 💡

CREDIT CHECK
🗒 Make sure that you check your credit file before you apple for a mortgage. You can check your credit file for free with “Check my file” or “Experian” so that you don’t get any suprises such as parking fines that you didn’t know about!

🗒 Also make sure that you are on the electoral roll.

Want to get in touch? Ring 07739 043400 or email [email protected] for a free initial enquiry.

30/03/2022

Are you worried about rising fuel costs? Rising inflation normally leads to an increase in mortgage interest rates. If your mortgage payments have recently gone up you may be on a variable interest rate. If you would like a review to see how I may be able to help reduce your monthly mortgage payments.

Get in touch today on 07739 043400 or email [email protected] for a free initial enquiry.

29/03/2022

Take a look at the BBC article below which explains the link between rising inflation and rising mortgage interest rates.

If you are worried about your mortgage interest rate rising and your monthly payments increasing, please get in touch to see how I can help by finding you a fixed interest rate. This will give you peace of mind that your monthly mortgage payment will not increase during the fixed rate period.

Call me on 07739 043400 or email [email protected]

UK inflation is rising at its fastest rate for 30 years and the government's forecaster predicts it could climb to a 40-year high.