SB Mortgage & Protection

10/11/2022

Well who'd a thunked it!

Behind all of the doom and gloom in the news, little has been reported on the fact that a lot of lenders have reduced some of their mortgage interest rates this week.

If your mortgage deal is due to end in the next 6 months, now is the time to act, and take advantage of this little reprieve in what has been a never ending tide of rising rates

03/11/2022

A significant rise from the Bank of England today, taking the base rate to 3% for the first time since 2008. This could affect your mortgage, loan, credit card and any other credit payments you have.

If anyone is feeling worried about their finances or would just like to have a free chat to review their mortgage or protection policies, to see if you could save some money, feel free to get in touch

31/10/2022

Can I get a mortgage with a poor credit history❓

A frequently asked question, with a surprisingly positive answer👍

Whether you have had some late payments, arrears, defaults, CCJ's or worse, there may be options available to you from a range of lenders including high street lenders. They will factor in the type and level of debt, when the credit issues occurred, and the deposit/equity available.🤨

Some high street lenders will ignore defaults & missed payments over 3 years old, sub prime and specialist lenders can take that a step further looking at CCJ's and more recent infractions. 😲

If a poor credit history is putting you off applying for a new mortgage or stopping you from remortgaging and saving money, contact me for a free chat to discuss your options.

☎️ 07880510956
💻[email protected]

Your home may be repossessed if you do not maintain your repayments on your mortgage

28/09/2022

Despite all of the negative press, there are still mortgages out there and deals to be had. Anyone with a deal ending in the next 6 months needs to look at it now

22/09/2022

If your current mortgage rate ends within the next 6 months, Now is the time act! Mortgage rates can be secured 6 months in advance, potentially saving you money as any delay could mean higher interest rates as they continue to rise

07/08/2022

If your mortgage payments have been rising recently, it means you are on a tracker, discount or standard variable rate mortgage.

You may be able to save money switching to a fixed rate😎

06/08/2022

Did you know you can remortgage up to 6 months in advance of your current deal ending?

This secures todays rates for when your deal comes to an end 😎

05/08/2022

⚡FREE MORTGAGE & PROTECTION ADVICE⚡

With the cost of living rising at unprecedented levels📈, the last thing home owners need is their mortgage payments to rise along side that. 🤬

With the bank of England's latest announcement of a 0.5% rise in Interest rates, the highest single hike for 27 years, the mortgage lenders have either pre-empted this or are reacting by increasing their mortgage rates. The fortunate will be locked into long term fixed rate products and will see no difference to their payments, however their are many home owners who are on their lenders Variable rates or are coming to an end of fixed rate deal, who will see a significant rise in their payments.📈💸😔

In an effort to help new and existing clients I am providing Free Mortgage Advice throughout August, in the hope I can save you money and ease the burden of this cost of living crisis.

WHO WILL BENEFIT FROM FREE ADVICE👍

HOMEOWNERS- If your Mortgage is on the lenders standard variable rate or the fixed rate deal is coming to an end. Their maybe lower cost deals available to you

HOME MOVERS - The mortgage market is changing daily at the minute, your bank can only offer you their own products. I search from over 10,000 mortgages to find you the best deal

FIRST TIME BUYERS - As above I search for the lowest cost deal available to you at this time, with various first time buyer schemes available their may be home buying options you were unaware of

LANDLORDS - Are your properties mortgaged? could you save money and instead of charging your tenants more rent?

PROTETION POLICIES - Are you paying too much for your life insurance and critical illness policies or do you need to review your income protection policies to cover the rise in the cost of living for you family

I'm here to help where I can🤓

12/07/2022