Josh Lillie Fee-Free Financial Advice

19/09/2024

Many people don’t realise that when you take an equity release lifetime mortgage product, you are taking a secured loan. This makes lifetime mortgages a type of secured finance and taking an equity release product will mean a lender puts a charge against your property. Secured finance is typically much less risky for lenders and as a result it can be easier to take a secured loan compared to an unsecured loan.

Our blog outlines exactly how equity release works with credit checks: https://boonbrokers.co.uk/equity-release-affect-credit-score/

17/09/2024

Although the principle of taking out a mortgage is fairly similar whichever type of mortgage you take out, there are some significant differences between a residential mortgage and a buy-to-let mortgage.

From the eligibility criteria, to the different terms on lending, this article should provide you with all of the information you need regarding buy-to-let mortgages.

Read our blog for all the tips: https://boonbrokers.co.uk/need-to-know-buy-to-let/

17/09/2024

https://boonbrokers.co.uk/equity-release-success-story/

You have negative stories about Equity Release, now take a look at some of the positives, as well as some success stories from verified reviews.

Read this equity release success story to understand how equity release works and how it can be used for a variety of purposes.

12/09/2024

No matter how straightforward getting a mortgage seems to be, there is no doubt that you will feel stressed or frustrated by the mortgage process at some point.

From delays with processing an application, conveyancing issues or providing additional documentation it can seem like a never-ending saga. One issue that can crop up is the mortgage underwriting process.

Don’t worry though, this video guide will give you all the information you need about mortgage underwriting as well as helpful tips in case things go awry: https://youtu.be/wr5Bu-kizS8

Read the blog: https://boonbrokers.co.uk/mortgage-underwriting/

11/09/2024

Huge congratulations to Josh for receiving this outstanding 5-star Trustpilot review!🌟

09/09/2024

The mortgage process, explained

04/09/2024

With the recent government choice to eradicate the Winter Fuel Allowance, Equity Release is becoming a more viable option for many homeowners over the age of 55 trying to improve their day-to-day lives.

We only advise on products regulated by the Equity Release council. These products have many vital protections, such as:

1) No Negative Equity Guarantee
2) Permanent Rights to Reside in Property until death/move to long-term care
3) Fixed for Life Interest Rate
4) Flexible Early Repayment Charges (many circumstances where it is not payable)
5) Portability (ability to transfer for mortgage to a new property if it meets the lender’s criteria)
6) Overpayments (ability to overpay up to 10% of the initial advance per annum to reduce the capital)

If you would like to discuss your options with no obligation to proceed, I can provide *Free* advice and arrangement for this revolutionary product.

Make sure to get in touch and enjoy your life to the fullest.

[email protected]

Direct Dial: 01508505500

03/09/2024

If you are struggling financially, you may be wondering what options you have to get yourself back on track. There are several ways to deal with debt, some of them are much more effective than others. Debt consolidation mortgages can be a lifeline for those struggling with their finances

This video guide gives general advice on how you could use mortgages to consolidate your existing debts with the overall goal of reducing your costs. https://youtu.be/uieD-XNyLpg

Read the Blog: https://boonbrokers.co.uk/guide-debt-consolidation-mortgages/

27/08/2024

In this video, we look into the first-time buyer status and what it means if you are buying your first home: https://youtu.be/BbQCcbHtGYc

You can also read the blog: https://boonbrokers.co.uk/qualify-first-time-buyer/

26/08/2024

Make sure to get in touch for a Mortgage, Insurance or Equity Release review, totally free of charge from a London Institute of Banking and Finance qualified adviser.

26/08/2024

Ready for the next chapter in your home journey? Whether you're looking to upsize, downsize or just want a change of scenery, we're here to make your house move seamless.

We make getting a mortgage for your new home easy, so you can focus on moving in without stress.

Arrange a free consultation: https://boonbrokers.co.uk/services/mortgage-advice/moving-home-mortgage/

22/08/2024

What Mortgage Can I Afford?

Affordability is one of the most commonly asked questions and it is a Mortgage Brokers job to find this out for you.

You need to ensure they have:

- TRUE Whole-Of-Market Access
- Directly Authorized By the FCA
- Excellent customer service

Take a look at this excellent blog which details this subject further:

Confused by mortgage calculators and affordability checks? Discover what mortgage you can afford here.

20/08/2024

As a self-employed person, you may be worried about how to show your income or whether you have enough income to pass an affordability calculation.

The great news is that lenders are much better at assessing self-employment compared to many years ago and with more people becoming self-employed, the range of products and services is expanding to cater to that.

Our latest video explores getting a mortgage or remortgage when you’re self-employed: https://youtu.be/gELbjDpT3po

You can also read our blog for more information: https://boonbrokers.co.uk/self-employed-remortgage/

12/08/2024

Thinking about stepping onto the property ladder but finding full ownership a bit out of reach? 🏡
Shared Ownership could be the key! Discover how you can own a share of your dream home with expert guidance every step of the way. 🔑

Request a call back to learn more about making homeownership a reality! https://boonbrokers.co.uk/services/mortgage-advice/shared-ownership/

08/08/2024

Have you reviewed your protection insurance recently? You may be able to save money or arrange more adequate cover. If you would like to review your Life, critical illness or income protection insurance be sure to get in touch.

06/08/2024

When applying for a mortgage, there are numerous factors to consider, which can make the process feel overwhelming. While you might be focused on passing affordability checks or ensuring your deposit is sufficient, it's easy to overlook seemingly minor financial commitments, such as your overdraft.

However, overdraft usage is a common issue that can arise during a mortgage application. In fact, it can even lead to your mortgage being declined.

Our latest video explains everything you need to know about overdraft usage and mortgage applications: https://youtu.be/gB8E_dipPaM

Read the blog: https://boonbrokers.co.uk/overdraft-mortgage/

05/08/2024

Have you found your dream home and want to get the ball rolling now? Let to buy Mortgages could be the key to unlocking the door to your next property without having to sell.

Whether you're a homeowner looking to move up the property ladder or an investor seeking a strategic approach, we can help you secure the best deal.

Learn more about Let to Buy Mortgages: https://boonbrokers.co.uk/services/mortgage-advice/let-to-buy/

29/07/2024

At Boon Brokers, we consider life insurance to be the most essential of all insurance offerings. Adequate life insurance provides financial protection against an unexpected fatality. For instance, if our advisers arrange a life insurance product that covers your mortgage, the mortgage would be fully redeemed upon the insured party's death.

Speak to one of our advisors, fee-free, to discuss your options: https://boonbrokers.co.uk/services/insurance/life-insurance/

25/07/2024

https://boonbrokers.co.uk/what-is-a-drawdown-equity-release/

24/07/2024

What is a Lumpsum Equity Release?

Equity Release funds can be received with a drawdown facility or most popular as a lumpsum payment, find out more.

23/07/2024

It is always good to be cautious when entering into a mortgage, not least because it is likely to be the biggest financial commitment you will make in your life.

But how cautious should you be with equity release and is there any truth to the negative publicity that often shrouds equity release?

Our latest video breaks everything down, looking at the good, the bad and the ugly of equity release to help you make an informed decision before proceeding: https://youtu.be/zWlcwqOJ9D4

You can also read our blog on the topic: https://boonbrokers.co.uk/equity-release-horror-stories/

22/07/2024

Looking to invest in property? If you are contemplating becoming a landlord or currently own a secondary property that you wish to rent out to generate additional income, it is likely that you will require a Buy To Let (BTL) mortgage.

Maximise your property investment potential with our expert advice : https://boonbrokers.co.uk/contact/

17/07/2024

What are the Pros and Cons of Equity Release?

Equity Release can be a daunting product to understand, and most people are wary. Read the pros and cons of Equity Release.

15/07/2024

If you are looking to free up some extra cash and are aged over 55, a lifetime mortgage could be a great financial option. Whether you are looking to pay off some debts for a family member or go on that dream holiday you have always talked about, we can help you find the right lifetime mortgage for your situation.

Arrange a free consultation: https://boonbrokers.co.uk/contact/

15/07/2024

FAQ Friday ⁉️ 🗯️
Can I change my mortgage to Buy To Let?

01/07/2024

Buying your first home is an exciting milestone, but knowing what mortgage to opt for can feel overwhelming. This is where we come in. We will guide you through the whole process and help you find the best mortgage on the market.🏚️

Arrange a free mortgage consultation: https://boonbrokers.co.uk/contact/

24/06/2024

Meet our expert team of brokers here at Boon Brokers 👋

Speak to one of our excellent brokers for free today: https://boonbrokers.co.uk/contact/

19/06/2024

Take a look at another excellent blog we have recently launched, regarding how far in advance applicants should be pre-approved for a mortgage.

Mortgage preapproval, called an Agreement in Principle (AIP) or Decision in Principle (DIP), is an informal document from a lender saying you can borrow money, subject to their criteria. An AIP shows property sellers you have the funds to make an offer. When should you get an AIP, and how do you do it?

Watch our latest video: https://youtu.be/XAdLdWjK36M

Or read the blog: https://boonbrokers.co.uk/when-preapproved-mortgage/

19/06/2024

UK Inflation has fallen to 2%, which is the Bank Of England target, for the first time in almost three years.

Inflation has hit the Bank of England's target for the first time in almost three years.

07/06/2024

Please take a look at the new and improved Boon Brokers page!

https://www.facebook.com/profile.php?id=61559619924324

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