Sam Hogg - Mortgage & Protection Consultant

29/04/2024

🏡🏡🏡IN THIS CURRENT TIME OF HUGE UNCERTAINTY AND CONSTANT CHANGE IT ALWAYS MAKES SENSE TO SPEAK TO A PROFESSIONAL, THE MEDIA WILL ALWAYS SPIN THE NEWS HOWEVER THEY WANT TO, THERE ARE STILL EXTREMELY COMPETITIVE MORTGAGE OPTIONS AVAILABLE ACROSS THE MARKET, DROP ME A MESSAGE TO DISCUSS🏡🏡🏡

Santander and NatWest have both announced mortgage rate hikes kicking in tomorrow. Read this and all the latest consumer and personal finance news below, plus leave a comment or submit a consumer dispute or money problem in the box.

26/09/2023

If something seems too good to be true…it probably is!

Quality always wins!

18/09/2023

START OF ANOTHER WEEK GETTING THE BEST DEALS FOR MY CLIENTS!

LET ME TAKE CARE OF THE STRESS!

15/09/2023

Pretty harrowing but extremely important article which brings the reality of life and it’s unpredictability into the spotlight.

I would urge you to read it and digest.

The Heartbreaking Reality of "We Don't Need It Yet" – Why Life Insurance Is a Must ⚠️

No one ever wants to think about the worst-case scenarios in life. However, a heartbreaking story recently highlighted the harsh realities of not being prepared for life's uncertainties.

Sophie Williams lost her partner, Calan Smith, last month to cancer at just 34 years old.

Despite being in their early 30s, the couple thought they wouldn't need life insurance so soon.

Unfortunately, this has left Sophie in a dire financial situation—facing the loss of both her home and her dog-grooming business.

Here are some reasons why you should consider securing life insurance as soon as possible:

1.Young Doesn't Mean Invincible: Age doesn't exempt anyone from life's uncertainties. In Sophie's case, her partner was only 34 when he passed away.

2. Financial Stability: If you're the primary breadwinner, your absence can create a financial void. Sophie's partner was the mortgage holder, and his absence has put both her home and business at risk.

3. Peace of Mind: Knowing that your loved ones will be financially secure in your absence can bring immeasurable peace of mind during challenging times.

4. Business Continuity: If you're a business owner like Sophie, life insurance can also cover business expenses and debts, ensuring that your hard work isn't lost.

5. Debt Obligations: Mortgages, loans, and other debts don't vanish when you pass away; they're passed on to your surviving family members. Life insurance ensures these burdens are taken care of.
Don't wait until it's too late; consider getting a life insurance policy today for the sake of your loved ones. It's not just a financial safety net—it's a love letter to those you leave behind ❤️

If anyone needs help in navigating life insurance and the best option for them please do let me know.

Sam
07962188299
[email protected]

Sophie Williams's partner Calan Smith died from cancer aged 34 and did not have life insurance.

07/09/2023

🏡 Looking to Buy Your First Home? 🏡

Before applying for a mortgage, it's essential to set yourself up for success!

Here's a checklist of things first-time buyers can do to improve their chances of approval:

1️⃣ Check Your Credit Score: Aim for a good credit history to secure better interest rates.

2️⃣ Save for a deposit: The more you save, the lower your monthly mortgage payments.

3️⃣ Reduce Debt: Pay off high-interest debts to improve your debt-to-income ratio.

4️⃣ Create a Budget: Know your financial limits and stick to them.

5️⃣ Build a Stable Job History: Consistency in employment is a plus for lenders.

6️⃣ Get Pre-Approved: This shows sellers you're serious and helps you set a budget.

7️⃣ Research Mortgage Options: Understand the types of mortgages available and choose the right one for you.

8️⃣ Shop for a Home within Your Budget: Avoid falling in love with homes you can't afford.

9️⃣ Save for Closing Costs: Be prepared for additional expenses at closing.

📋 Share this checklist with your friends who are embarking on their home-buying journey! 🏠💼

*Your home may be repossessed if you do not keep up repayments on your mortgage

06/09/2023

Sounds about right 😂

05/09/2023

Some useful information in this article from the BBC for homeowners to save money on their mortgages 🏡

Experts give advice for those who might be worried about their monthly mortgage payments.

04/09/2023

Amazing home office ⛰️🌲

03/09/2023

Mortgage interest rates are decreasing 🏡📉

We're consistently receiving updates from lenders about new rate products with reduced rates.

If your deal is nearing its end, you might want to consider a remortgage.

Remember, if you apply for a remortgage and a cheaper deal becomes available later, you could switch to that deal.

We've assisted many clients with this process.

While rates are still relatively high for both new and existing clients, it's important to reach out to explore options for payment assistance, such as interest-only periods or extended payment terms.

So, interest rates are on a downward trend, progressing gradually.

Stay tuned to our social media for updates.

*Your home may be repossessed if you do not keep up repayments on your mortgage.

02/09/2023

There's always an option to get on the ladder 🪜 🏠 😂

01/09/2023

🍂 Hello September! 🍁

As the leaves begin to change and the air turns a little crisper, we welcome a new month full of possibilities and adventures.

The beauty September brings with it a sense of renewal and anticipation.

Let's embrace this month with open arms and make the most of every moment it has to offer.

Happy September, everyone! 🌼🌻

31/08/2023

What do you think? Should stamp duty be axed? 🪓 🏠

Economics expert Helen Miller says the tax on house purchases means 'young families struggle to trade up, and older people hold onto bigger properties than they need'