M & M Advisers

15/03/2024

Spring is here.

Time to sort out your mortgage before the summer getaway.

If you are thinking about a new mortgage or your fixed term mortgage is maturing soon, please give me a call.

I may be able to find you something more affordable.

The advice is Free. Come on give it a go!

NO fees in providing advice on mortgages and protection products.

Thomas Ly - Cert (CII) MP
https://mmadvisers.co.uk/

With access to the whole of market we will find the right mortgage product for you.

16/02/2024

PEACE OF MIND FOR THE COST OF A NETFLIX SUBSCRIPTION.

We all face risks in our lives, from the day we are born to the day we die.

There are certain risks we learn to live with and for others we can manage and try to mitigate against.

Whether it is due to our lifestyle or personal circumstances, not all of us have sufficient savings or a liquid buffer to cover those unforeseen events.

If we were to die suddenly or have a serious illness will our loved ones, children and dependants be left financially secure?

Protection insurance in the form of Life Assurance, Critical Illness Cover, and Income Protection all serves a useful purpose if we pause and reflect.

The cost of such protection can be as little as the cost of one of those video streaming services that we subscribe to but rarely use!

Please get in touch today and find out how we can help you mitigating your risks.

Thomas – Cert CII (MP)

25/01/2024

Someone posed an interesting question to me the other day.

Why do I need to go to a Mortgage Adviser, I can just go directly to say HSBC if I am looking for a mortgage.

This made me think that a lot of people must have this perception, and perhaps I should explain why it makes sense in many instances to use the service of a mortgage adviser.

One key reason is that independent advisers like me will have access to the ‘whole of the market’ and this means that I can help you find the most affordable and suitable mortgage for you.

Most of us these days for whatever reasons seem to have less time, and to spend it searching and reviewing several different lenders can be time consuming and doesn’t necessarily find you the right deal or product that may meet your needs.

What if your circumstances or your current property ownership situation is somewhat different. For example, if you have a CCJ that is under 6 years old, there are lenders who will consider lending and an adviser can help find them for you. Another example, a couple wants to move in together, and perhaps one or both partners have their own properties, they could consider a Let to Buy, where both move into a new property and rent one or both existing ones out; an adviser can help to make the borrowing process easier.

Certain mortgages will have specific conditions, which must be met for the borrower to qualify, an adviser can save you time in finding only products that you have a good chance in getting an offer on.

These are only some examples but there are many scenarios in which an adviser can help you with some of the heavy lifting.

So why not contact me at M&M advisers and let me help you out, fee free.

Thomas - Cert CII (MP)

Please visit us at:
https://mmadvisers.co.uk/

22/01/2024

For the next 3 months I will be offering free consultation on mortgage and protection products.

NO fees in providing advice on mortgages and protection products.

If you are thinking about a new mortgage or your fixed term mortgage is maturing soon, why not give me a call.

I may be able to find you something more affordable.

Thomas

With access to the whole of market we will find the right mortgage product for you.