PHLS Mortgage Services

PHLS Mortgage Services �� � Independent Mortgage & Protection advisers with 50 years experience with whole of mortgage market access ���

What is Childrens Critical Illness Cover?
10/05/2026

What is Childrens Critical Illness Cover?

👻🎃 Spooky Season is Here! 🎃👻As you're out there trick-or-treating or watching scary movies, remember that getting a mort...
31/10/2024

👻🎃 Spooky Season is Here! 🎃👻

As you're out there trick-or-treating or watching scary movies, remember that getting a mortgage doesn’t have to be one of the frightful things this Halloween! 🏠✨

Whether you're haunted by the idea of rising rates 👻, spooked by complex paperwork 📜, or wary of all the options out there, I’m here to keep those fears at bay. With expert guidance (and a little magic), I can help you make your homeownership dreams a treat, not a trick. 🍬

Ready to make a move? Don’t let your dreams of homeownership be the only thing giving you goosebumps this Halloween! 🕸️🎃 Send me a message, and let's find the perfect mortgage for your not-so-haunted home. 🏡💀✨

ANOTHER HAPPY CLIENT!!! 👏🎖🤩
22/10/2024

ANOTHER HAPPY CLIENT!!! 👏🎖🤩


Another ⭐️ ⭐️⭐️⭐️⭐️ review from a happy client to add to the rest of the collection!
21/10/2024

Another ⭐️ ⭐️⭐️⭐️⭐️ review from a happy client to add to the rest of the collection!

With Nationwides "Helping Hand" First Time Buyers can borrow up to 6 times their income for purchases up to 95 % loan to...
16/10/2024

With Nationwides "Helping Hand" First Time Buyers can borrow up to 6 times their income for purchases up to 95 % loan to value meaning an increased loan amount of 33 %!

Eligibility:

- All applicants must be first time buyers

- 5 and 10 year fixed rates available at all LTV tiers up to 95%

- Minimum income of £30k sole applicant, £50k for joint applicants. All income sources (except self-employed income) can be included.

Please Note:

The availability of Helping Hand is subject to many factors, including, but not limited to, credit score, how much debt the applicant has, etc.

Is your fixed-rate mortgage coming to an end? 🏡🔑 Now’s the time to explore your options! Whether you’re looking to lock ...
25/09/2024

Is your fixed-rate mortgage coming to an end? 🏡🔑

Now’s the time to explore your options!

Whether you’re looking to lock in another fixed rate or explore other deals, we can help you find the best solution for your financial future.

Don’t wait until it’s too late—let’s chat and secure the best rate for you today! 💬💰

Almost 8 out 10 mortgages in the UK are submitted through mortgage intermediaries and here are some of the reasons why:1...
11/09/2024

Almost 8 out 10 mortgages in the UK are submitted through mortgage intermediaries and here are some of the reasons why:

1. Access to a Wider Range of Deals.

We have have access to multiple lenders, including some deals that are not available directly to the public. This means we can find the best rates and terms tailored to your specific financial situation.
Going direct to a lender limits you to their products, which may not necessarily be the most competitive.

2. Expert Guidance and Advice.

We can guide you through the complexities of different mortgage types (fixed rate, variable rate, offset, etc.) and help you understand the pros and cons of each based on your financial goals.
If you go direct to a lender, you might not get independent advice, and the lender will only promote their own products.

3. Tailored Solutions for Complex Circumstances.

If your financial situation is more complex (e.g., self-employed, bad credit, or irregular income), we are skilled at navigating these scenarios and finding lenders that cater to such circumstances.

A direct lender might have stricter criteria, making it harder to find suitable deals if your circumstances aren't straightforward.

4. Time-Saving and Hassle-Free.

We do much of the legwork for you by comparing deals, handling paperwork, and liaising with lenders on your behalf. This can save you significant time and effort.

Going direct to a lender requires you to research, compare deals, and handle paperwork yourself, which can be time-consuming and stressful.

5. Long-Term Financial Planning.

We often take a more holistic view of your finances, considering future needs like remortgaging or your plans for overpayments, ensuring your mortgage fits into a long-term plan.

A direct lender may focus only on selling you the mortgage product at hand without considering your broader financial goals.

6. Support Through the Entire Process.

We provide ongoing support through the application, valuation, and completion stages, ensuring everything runs smoothly.

When going direct, the responsibility often falls on you to ensure the process moves forward.

Halifax First Time Buyer Boost...What does this mean?Increased maximum Loan to Income limit for new purchase application...
29/08/2024

Halifax First Time Buyer Boost...

What does this mean?

Increased maximum Loan to Income limit for new purchase applications from Thursday 29 August. The new maximum loan to income is being increased to 5.5 times income for first time buyers where:

• Total employed household income is £50,000 or more
• Loan to value is 90% or less
• Not using Shared Ownership or Shared Equity schemes.

Based on an employed household income of £50,000, this will increase the maximum loan available from approximately £224,500 to around £275,000.



Understanding these factors can help you better assess how much you can potentially borrow when taking out a mortgage. C...
28/08/2024

Understanding these factors can help you better assess how much you can potentially borrow when taking out a mortgage.

Contact us to find out how much you can potentially borrow!



Please note that the above further borrowing methods are subject to availability and credit scoring.
15/08/2024

Please note that the above further borrowing methods are subject to availability and credit scoring.

Address

Maidstone
ME59ST

Telephone

+447983670968

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