Bijay Giri - Mortgage & Protection adviser

21/02/2023

I am pleased to secured a best mortgage deals for my client. After carefully reviewing their financial situation and working with our lending partners we have found a mortgage that meets and fits within their budget.
Next post to follow for more details on timeframe and deals-
Bijay Giri CeMAP CeRER
Mortgage & Protection adviser
Acer Consultancy Services Ltd

14/06/2021

New scheme for first time buyer

Home discounted by at least 30% compared to market price,it could be as high as 50% discount

Key worker and local people will have the prority first

You only requires 5% of the deposit of discounted purchase price

This scheme has already went on last week in East Midlands and set to launch across the country soon
This scheme is only available in England

First homes will be offered on a limited number of plots in most new developments
You need to check whether the builder offering the scheme on the development where you want to buy

For more details please contact below.
Bijay Giri CeMAP MBA:07578537189
[email protected]
ACER Consultancy Services Ltd
Independent Financial Advisers
Directly authorised and regulated by the FCA.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

12/04/2021

Another level completed 🤞👌
Delighted to receive my Certificate of Equity Release today!!
Now moving on for next.......!!

10/04/2021

17/03/2021

Another mortgage offered 🎉🎉
Initially declined by underwriters but manage to get through
Mortgage application started on 01/11/2020 and mortgage offered on 08/03/2021
Took 4 months

First time buyers
Applicant 2
Dependent 1

Terms 19 years ( because of age factor)
Repayment
Fixed rate for 1.59%
For 2 years
Deposit source: Help to buy ISA and personal savings

Initial decision from prospective Lender was:
Based on assessment the application isn’t affordable
Initially case declined as the child benefit has not been included due to replacement of this income not sufficient and also applicant 2 income not used, applicants job and new home location commute not plausible

For more details please contact below.
Bijay Giri CeMAP MBA:07578537189
[email protected]
ACER Consultancy Services Ltd
Independent Financial Advisers
Directly authorised and regulated by the FCA.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

16/03/2021

Good news for first time buyer

First time buyer with just 5% deposit will receive the boost from tomorrow
One lender is back with 95% LTV in the mortgage market.
This will be available exclusively via mortgage broker on five year fixed rate deal.
The maximum loan size is £500k
Flats and new build are not permitted
This will help client with smaller deposit.
More lender will join in 95% LTV mortgage market in coming days, either with or without mortgage guarantee scheme

For more details please contact below.
Bijay Giri CeMAP MBA:07578537189
[email protected]
ACER Consultancy Services Ltd
Independent Financial Advisers
Directly authorised and regulated by the FCA.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

06/03/2021

One thing I learnt, Never Stop Learning!
May be new challenges on the way.......

04/03/2021

New temporary 5 % Government mortgage guarantee scheme eligibility criteria:
- Must be a residential mortgage (not second homes) and not buy-to-let
- Must be taken out by an individual or individuals rather than an incorporated company
- Must be on a property in the UK with purchase value of £600,000 or less
- have a loan-to-value of between 91 per cent and 95 per cent
- Must be originated between the dates specified by the scheme
- Must be a repayment mortgage and not interest-only and
• Must meet standard requirements interms of the assessment of the borrower’s ability to pay the mortgage, for example a loan-to-income and credit score test.

It will be open for new mortgage applications
from April 2021 to December 2022

For more information,
[email protected]
ACER Consultancy Services Ltd
Independent Financial Advisers
Directly authorised and regulated by the FCA.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

03/03/2021

STAMP DUTY HOLIDAY has been extended to end of June , giving buyers three more months to complete which means people will be able to save up to £15,000.00 in tax

- Stamp Duty extended until 30 June 2021 (was 31 March 2021) for properties up to £500k

- The Nil Rate band then drops from £500k to £250k from 1 July to 30 September 2021

- From 1 October 2021 the nil rate will reduce back to £125k.

For more information please contact below:

Bijay Giri CeMAP MBA:07578537189
[email protected]

https://acerwealthmanagement.co.uk
Independent Financial Advisers
Directly authorised and regulated by the FCA.

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

Our aim is to help individuals and businesses to achieve their financial goals. Tell us about your financial objectives and when you want to achieve them.

03/03/2021

Good news for the first time buyer and home mover
Mortgage gurantee to help buyers with 5% deposit will resume from next month.
Government would back the home loans, which will be available on homes costing up to £600,000.
The mortgages will be available to both first-time buyers and home movers
Lloyds, Natwest, Santander, Barclays, HSBC would offer the mortgages 'from next month

However, some buyers on lower incomes, particularly those not buying as part of a couple, may struggle to access the new 5 per cent deposit mortgages because most banks will only lend someone 4.5 times their annual salary.

For more details please contact below.
Bijay giri CeMAP MBA:07578537189
[email protected]
ACER Consultancy Services Ltd
Independent Financial Advisers
Directly authorised and regulated by the FCA.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.