Sinda Thompson - The Advice Centre

23/06/2025

FINAL CALL for any last minute donations.

Just 5 days till our walk for Elsie's Story Charitable Trust.

https://www.justgiving.com/page/hikeforelsiesstory?utm_medium=FR&utm_source=CL&utm_campaign=019

10/04/2025

01/04/2025

📢 NO JOKES! New Stamp Duty Changes Are Now in Effect! 🏡

As of today, April 1st, 2025, new Stamp Duty Land Tax (SDLT) rules are live — and they could impact buyers across the UK.

Here’s what’s changed:

🔹 Standard Buyers:
You’ll now pay 2% SDLT on property purchases over £125,000 (down from the old £250K threshold).

🔹 First-Time Buyers:
The tax-free threshold has dropped to £300,000, with 5% due between £300K–£500K.
(Previously, you could buy up to £425K without paying a penny.)

🔹 Additional Properties:
The 5% surcharge remains in place for second homes and buy-to-lets.

💰Example:
Buying at £295,000? You’ll now pay £4,750 in SDLT — that’s £2,500 more than before April 1st!

If you’re planning to buy in 2025, it’s more important than ever to budget for these new tax rates — and get tailored advice before you make a move.

📩 Book your FREE mortgage consultation today!

Looking for an appointment to fit around work or home life? We can accommodate evening or weekend calls ✅

Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎

We offer a FREE no obligation initial appointment to understand your circumstances.
Get in touch to see how we can help you!

Contact us on:
✉️ Message us direct | [email protected] | [email protected]
☎️📱 Call 0151 659 1075 | 07393 928 122
📱💻 www.theadvicecentre.co.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

13/03/2025

🏡 SELF-EMPLOYED -TRUE OR FALSE? 🏡

Let’s bust some mortgage myths! 🚀👇

❓ "I need 3 years of business accounts to get a mortgage."
🙋‍♀️ FALSE – Most lenders require 2 full years of tax calculations, but some will accept just 1 year! 😊

❓ "I’m employed by my limited company, which I own 100%, so lenders will treat me as employed."
🙋‍♀️ FALSE – If you own more than 20% shares in a limited company, lenders will treat you as self-employed.

❓ "It’s harder to get a mortgage if I’m self-employed."
🙋‍♀️ FALSE – You may need different documents to prove your income over a longer period, but it’s not harder—we work directly with lenders to find the right solution for you! 😊

❓ "I should book a free appointment to discuss my mortgage options."
🙋‍♀️ ✅✅✅✅✅✅✅ 100% TRUE! 👍🏼 Our advisors will assess your personal circumstances, match you with the right lender, and make expert recommendations tailored just for you. 🏡😊

📩 Book your FREE mortgage consultation today!

Looking for an appointment to fit around work or home life? We can accommodate evening or weekend calls ✅

Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎

We offer a FREE no obligation initial appointment to understand your circumstances.
Get in touch to see how we can help you!

Contact us on:
✉️ Message us direct | [email protected]
☎️📱 Call 07540 658882
📱💻 www.theadvicecentre.co.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

25/02/2025

HAVE YOU GOT MORTGAGE QUESTIONS?... 🤯❓

We're here to answer all you mortgage & insurance questions. Whether you're a first time buyer or experienced property landlord, we're here to help you along on your journey.

We welcome every single query. Got a burning question? Let's chat and turn uncertainty into confidence. 💬

Looking for an appointment to fit around work or home life? We can accommodate evening or weekend calls ✅

Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎

We offer a FREE no obligation initial appointment to understand your circumstances.
Get in touch to see how we can help you!

Contact us on:
✉️ Message us direct | [email protected]
☎️📱 Call 07540 658882
📱💻 www.theadvicecentre.co.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

23/02/2025

Happy Birthday to !!! Have a great day!

30/01/2025

On Saturday 28th June 2025, I along with Sarah Woods, Jeni Law and Laura Jacqueline Thomas will be tackling the Ultra Challenge Bakewell 10 mile hike to raise money for Elsie's Story Charitable Trust.

Elsie's Story has been set up following the tragic events that took place in our home town of Southport back in July, to honour Elsie Dots memory by giving back through grant funding, supporting community projects, assisting individuals and families, and partnering with local schools and councils.



Here's a link to our JustGiving page, if you'd like to sponsor us! 🩷🩷🩷

Help Sarah Woods raise money to support Elsie's Story

24/01/2025

HOW COULD YOUR FAMILY HELP YOU BUY? 🤔 🪜

Struggling to get on the property ladder? You're not alone! Over 1/3 of first-time buyers received a hand from family 🏡

Family support can make home ownership a reality:
• Gifted deposits boost mortgage options
• Joint mortgages share financial responsibility
• JBSP mortgages offer flexible ownership solutions

Each option has pros and cons, so understanding your family's financial situation is key.

Curious how your family could help you step onto the property ladder? Get in touch with us today 📱
Looking for an appointment to fit around work or home life? We can accommodate evening or weekend calls ✅

Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎

We offer a FREE no obligation initial appointment to understand your circumstances.
Get in touch to see how we can help you!

Contact us on:
✉️ Message us direct | [email protected]
☎️📱 Call 07540 658882
📱💻 www.theadvicecentre.co.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

28/11/2024

21/11/2024

SHORT ON TIME? 😓 ⏰

We understand how busy life is, and how short on free time you can be 🏃🏼‍♂️

That’s why we offer all clients a choice of appointments – face-to-face, over the phone or video appointments.

We are flexible to whatever suits you and your schedule.

Looking for an appointment to fit around work or home life? We can accommodate evening or weekend calls ✅

Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎

We offer a FREE no obligation initial appointment to understand your circumstances.
Get in touch to see how we can help you!

Contact us on:
✉️ Message us direct [email protected]
☎️📱 Call | 07540 658882
📱💻 www.theadvicecentre.co.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME