Nikki Dalgleish- Northern Standard Mortgages

Nikki Dalgleish- Northern Standard Mortgages Northern Standard Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd.

First Complete Ltd is authorised and regulated by the Financial Conduct Authority

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

A fee may be payable depending on your requirements, it will be agreed with you prior to proceeding.

15/06/2023

🎉🎉🥰 Reviews like this are why I do this job! It is no secret that the mortgage world is a little crazy at the minute. Rates are withdrawn with little or no notice, long hours are the norm for most brokers. For a first time buyer, the pressure to make decisions quickly can be very overwhelming and make the house buying process even more stressful than it already is. With this client we often exchanges emails at midnight, being able to be there for the questions, help the clients understand all of the terminology and what is happening at every step of the journey is so incredibly important. You absolutely will not get this service going direct to a bank and not likely from big volume firms. Being self employed allows me to take the time I need and more importantly my customers need to help them on the wonderful journey to home ownership. I really do care about the journey my clients are on and genuinely will necer get over the buzz of helping people achieve their dreams of home ownership!

If you are thinking of buying your dream house or already live in it and need to remortgage - give me a call or drop me a message. I am always happy to help
📞07736965141
📩[email protected]

YOUR HOME MAY BE REPOSSESED IF YOU DO NOT KEEP UP THE REPAYMENTS ON YOUR MORTGAGE

19/05/2023

🤔🤔 As a mortgage and protection adviser, this is a question I get asked frequently 🤔🤔

The answer really depends on what you mean by NEED?

❓Is it compulsory to have to get a mortgage ❓ NO❌

❓ Do you have NEED for it, if you have a mortgage❓ YES✅

The word mortgage originates from the Old French term "mort gage" which meant "death pledge" 😳 and nothing could be truer of your mortgage debt, it needs to be repaid in full even if you die before the term ends. 💀💰🏦

Now imagine you have a joint mortgage, the debt being supported by 2 incomes, one of you dies and the surviving party can no longer afford to pay the debt alone. If you do not have life insurance in place that protects each other your mortgage lender will repossess the property. This is the reason every post I create carries the disclaimer "YOUR PROPERTY PAY BE REPOSSESSED IF YOU FAIL TO MAINTAIN YOUR MORTGAGE PAYMENTS"
This could be the reality if you are not adequately protected and should be a very real consideration for anyone with debt secured against their home.

👨‍👩‍👧🏡💰If you think you are not adequately protected, have no protection in place at all or haven't reviewed it in a while.... Lets talk about it.

📱Give me a call. 📩Drop me a message or send me an email and lets review what you NEED!

18/05/2023

If your current mortgage deal is nearing the end of its initial deal, you should start to think about your options 6 MONTHS before the current product expiry.

Many mortgage offers now have a validity period of 6 months, meaning you can secure your remortgage product now, but not actually complete on this until you need it.

If the last 6 months are anything to go by, rates can change dramatically in this time. Mortgage rates can vary day to day, week to week or be around for a lot longer and NO ONE has the crystal ball to tell you what they will be at a specific date in the future.

Securing your rate 6 months prior does not mean you must complete on this product at all and if you instruct a broker like myself you can review this again if the market conditions change in your favour and look to secure a better rate if one becomes available. However, if you wait, and the rates increase, you will need to apply for what is available at that time.

Just like mortgage products, our lives, families, jobs and commitments change and all of these factors can impact your ability to obtain a mortgage. You may think because you already have a mortgage you will automatically be accepted by a new lender, this is NOT the case. You will go through the full underwriting process again if you are switching lender. Getting advice as early as possible gives your adviser time to work with you to make sure you are getting the best product you are eligible for.

As brokers, we will also consider if leaving your current lender is actually the best option, or if renegotiating with your current lender to switch rates would be more suitable.

If your current mortgage is expiring in the next 6 months, lets have a chat.

📧[email protected]
📞07736965141

YOUR PROPERTY MAY BE REPOSSESSED IF YOU FAIL TO MAINTAIN YOUR MORTGAGE PAYMENTS

18/05/2023

Following on from reasons to use a broker. Here is a worked example of how different lenders assess affordability for the exact same set of circumstances.

These are a selection of the lenders I have access too and represented the highest and lowest maximum lends on offer for this scenario.

This scenario is a typical set of clients with nothing overly complex and still there is no one size fits all how much you can borrow.

The most generous lender for a particular set of clients may not be the most competitive rate and that then becomes a puzzle for your broker to solve - what is the best possible solution for each individual. What is the maximum you can borrow at a rate that fits your monthly budget.

Affordability calculators see you as figures, data, a number. The computer says yes or no. I see you as the person, the individual with your goals and future aspirations that your mortgage is going to help you achieve and solving that puzzle is the day job that I love.

If you have a puzzle you are looking to solve, get in touch!

📧[email protected]
📞07736965141

17/05/2023

4 Reasons to use a broker like me for your mortgage needs 👌

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

🥳EXCITING ANNOUNCEMENT 🥳I am so excited to share with you that after 5 years employed by some of the industries biggest ...
12/05/2023

🥳EXCITING ANNOUNCEMENT 🥳

I am so excited to share with you that after 5 years employed by some of the industries biggest names I am now taking the leap to the world of self employed advice!

I am going to be working along side some of the most genuine, knowledgeable guys in the industry over at Northern Standard Mortgages. Every one of the guys working here share my strong work ethic but more importantly a strong moral compass and passion for helping their clients as individuals and not statistics.

I cannot wait to get this journey started and provide the quality advice I pride myself on giving but in a more relaxed, personal, stress free environment.

Please get in touch if you have any questions mortgage or protection related!

Address

Newcastle Upon Tyne
NE62HL

Telephone

+447736965141

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