Aspire Mortgages

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Aspire Mortgages

Aspire mortgages are a client focused business providing mortgage & protection advice. We can also help you access a range of other financial services.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. We will charge a fee of between 0% and 0.5% of the mortgage advance. A fee of 0% on a mortgage of £100,000 would mean a fee of £0 and for 0.5% the fee would be £500.00

Aspire Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd which i

s authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products.

20/06/2024

The Bank of England has maintained the base rate at 5.25% ✋🏼

With this decision, mortgages linked to the base rate usually stay unchanged.

However, individual lenders often adjust their rates, especially for fixed and variable mortgages.

If you've been putting off reviewing your mortgage, now's a perfect time to take action. 📱

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

17/06/2024

Being self-employed comes with its perks, but securing a mortgage can feel like an extra hurdle.

Don't worry, we've got your back! Here are 3 top tips to help you rock your mortgage application:

Tip 1: Be the Paperwork Pro

Gather Proof of Income: Lenders love stability, so provide at least two to three years of certified accounts, tax returns, and SA302s. But remember we do have access to lenders that may accept 1 years accounts.

Show Financial Strength: Highlight healthy profits and a strong track record.

Tip 2: Credit Score Charmer

Maintain a Good Credit Score: It shows responsible borrowing habits and increases your chances of securing a better interest rate.

Fix any Credit Report Errors: Check your report for inaccuracies and dispute them if necessary.

Tip 3: The Power of a Deposit

Save Up a Bigger Deposit: This demonstrates financial commitment and reduces risk for lenders, potentially leading to better deals.

Explore Options: Consider government schemes that might offer a leg up with a smaller deposit (if applicable).

We can guide you through the process and find the most suitable mortgage deal for your unique situation.

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

15/06/2024

Longer-term mortgages could come with lower monthly payments since the repayment amount is spread across an extended timeframe. However, it's important to note that this means you could end up paying more in total because the interest accumulates over a more extended period.

On the other hand, shorter-term mortgages involve higher monthly repayments, but this approach enables you to pay off the principal balance more quickly. Consequently, you'll achieve full homeownership sooner.

When it comes to applying for your mortgage, you'll be able to set the term, the most common terms are 25, 30, or even 35. However recently a High Street lender has introduced a 40 year term to reduce monthly payments even further 💷

We'll be able to talk you through your options and show you what they'd mean for your budget ☺️

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

12/06/2024

Five things a mortgage expert like us can help you with:

👉🏼 Finding the most suitable mortgage: Mortgage advisors typically have access to a wide range of mortgage products from different lenders. We can help you navigate through these options to find a mortgage that suits your specific financial situation and needs.

👉🏼 Comparing Offers: Once we understand your requirements, we can compare the terms and conditions of various mortgage offers, including interest rates, repayment options, and fees, to help you make an informed decision.

👉🏼 Negotiating with Lenders: We often have established relationships with lenders. We can negotiate on your behalf to secure terms or rates for your mortgage.

👉🏼 Assisting with Paperwork: The mortgage application process involves a lot of paperwork. We can help you complete and submit the necessary documents accurately and on time, reducing the chances of delays or errors that could affect your application.

👉🏼Providing Expert Advice: We are knowledgeable about the mortgage market and can offer expert advice tailored to your circumstances. We can answer your questions, explain complex terms or concepts, and provide guidance throughout the entire mortgage process.

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

10/06/2024

Your credit score is a very important factor when buying a house

👉🏼 A good credit score increases your chances of getting a mortgage in the first place. Lenders use your credit score to assess your creditworthiness and repayment history.
👉🏼 A higher credit score typically qualifies you for better mortgage interest rates. This can save you money over the lifetime of your mortgage.

Here's what you can do 👇🏼

1️⃣ Check your credit score: Obtain a credit report from a credit reference agency to understand your score and identify any areas for improvement.
2️⃣ Take steps to improve your credit score: This might involve paying off debts, registering to vote, or ensuring you're on the electoral roll.
3️⃣ Talk to a mortgage broker: A broker can help you find the best mortgage deal for your circumstances, even if your credit score isn't perfect.

Overall, having a good credit score is a significant advantage when buying a home. It can increase your chances of getting a mortgage and secure a more favourable interest rate. However, lenders consider several factors, and a healthy deposit and strong affordability can still help you secure a mortgage with a less-than-perfect credit score.

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

08/06/2024

1️⃣ Are you nearing the end of a fixed term? Begin exploring new deals now. You can typically secure a new mortgage up to six months before your current one ends. Locking in early can mean less stress and more preparation time for your new payment amount, but you can still change it closer to the time if there is a more suitable rate available.

2️⃣ Does your fixed term have more than six months left? Avoid making changes at this stage to avoid potential penalties from your lender. Seek advice from a mortgage advisor if you're considering an early switch or if you are looking to move home as you may be able to port your current mortgage with you.

3️⃣ Are you on a tracker mortgage? Your rates may not have changed recently, but if you're seeking more reassurance, consult an expert to assess your options based on your current mortgage terms and personal situation.

4️⃣ Are you on your lender's Standard variable rate (SVR)? SVRs tend to be the costliest. If possible, transition to an alternative deal promptly.

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

05/06/2024

There are different types of life insurance policies, and the most common options for couples are joint life insurance policies and individual life insurance policies.

🫱🏼‍🫲🏽Joint Life Insurance Policy: With a joint life insurance policy, both you and your partner are covered under the same policy. The policy pays out a death benefit upon the first death, and the coverage ends at that point. It can be more affordable than two separate individual policies, but keep in mind that once the policy pays out, the surviving partner will no longer have coverage.

🧍🏻‍♀️Individual Life Insurance Policies: Alternatively, you and your partner can each get separate individual life insurance policies. These policies provide coverage for each person individually. If one partner passes away, the other policy remains unaffected and continues to provide coverage.

When considering life insurance options, it's essential to assess your specific needs and financial situation. Factors like your age, health, income, dependents, and long-term financial goals can all play a role in determining the right type and amount of life insurance coverage for you and your partner.

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/
Aspire Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products

03/06/2024

How could you work smarter, not harder when it comes to your mortgage? 🤔

🔗 First up connect with Experts: Don't navigate the mortgage maze alone. Our team of experts is here to guide you every step of the way, saving you time and effort.

💡 Research Power: Knowledge is your superpower! Spend time understanding different mortgage options, rates, and terms to make informed decisions. We're on hand to go through any details, information, and knowledge you may need.

📈 Financial Planning: Crunch those numbers! Plan your budget, evaluate your financial goals, and choose a mortgage that aligns with your long-term vision.

⏳ Time is Money: Streamline the process by being organised. Gather necessary documents upfront to expedite approvals and minimise delays, from your ID, bank statements, and employment details, and have them on hand and prepped.

🔍 Analyse Your Needs: Choose a mortgage that suits YOUR needs. No one-size-fits-all – we can help tailor options to match your unique circumstances.

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

01/06/2024

An interest-only mortgage is typically suitable for certain types of borrowers who have specific financial circumstances or goals.

👉🏼 Are you a property investor? Investors looking to maximise their cash flow and potential returns may opt for interest-only mortgages. By paying only the interest on the loan, investors can reduce their monthly mortgage payments, allowing them to allocate more funds towards other investments or property improvements.

👉🏼 High-income earners: Borrowers with fluctuating income or irregular bonuses may benefit from the flexibility of an interest-only mortgage. These borrowers can choose to pay only the interest during periods of lower income and make larger payments when their income increases.

👉🏼 Planning on moving soon? Individuals planning to sell their property within a relatively short time frame may opt for an interest-only mortgage to minimise their expenses such as avoiding early repayment charges.

👉🏼 Affordability-focused borrowers: In some cases, borrowers may choose an interest-only mortgage to afford a more expensive property or to free up money for other expenses.

Overall, interest-only mortgages can be suitable for borrowers with specific financial goals or circumstances, but they require careful consideration, we can help you weigh up your options 👋🏼

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

29/05/2024

✅ Advantages:

1️⃣ Security: With a fixed-rate mortgage, borrowers have the security of knowing that their monthly mortgage payments will remain consistent throughout the fixed term, such as 5 years. This stability can provide peace of mind, especially in times of economic uncertainty.

2️⃣ Budget-friendly: Fixed-rate mortgages make budgeting easier since borrowers can accurately predict their monthly housing expenses. This predictability allows homeowners to plan their finances more effectively and avoid unexpected fluctuations in mortgage payments.

3️⃣ Protection from increases: Unlike variable-rate mortgages, where interest rates can fluctuate based on market conditions, fixed-rate mortgages offer protection from interest rate hikes. This can be particularly advantageous during periods of rising interest rates, as borrowers are shielded from potential payment increases.

❌ Disadvantages:

1️⃣ Additional charges: While fixed-rate mortgages offer stability, they may come with additional charges or fees compared to other mortgage products. These charges can include arrangement fees, valuation fees, and early repayment charges, which can increase the overall cost of the mortgage.

2️⃣ Limited flexibility: Fixed-rate mortgages can make it more challenging to move or make changes to the mortgage terms during the fixed-rate period. This lack of flexibility may result in penalties or additional fees if borrowers need to adjust their mortgage or switch to a different product before the fixed term ends.

3️⃣ Overpayment cap: Some fixed-rate mortgages impose limits on the amount borrowers can overpay each year without incurring penalties. This restriction can be a disadvantage for homeowners who wish to pay off their mortgage faster or make larger payments to reduce the overall interest costs.

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

28/05/2024

Breast cancer affects 1 in 7 women in the UK each year, many of them still of working age

On this International Women's Health Day, we remind you to go to any health checks necessary, but also check that you and your family are protected for if the worst were to happen

From Life Insurance to Critical Illness Cover, we can help you protect yourself and your loved ones 🛡️

Source: https://www.cancerresearchuk.org/health-professional/cancer-statistics/statistics-by-cancer-type/breast-cancer -Four
Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

Aspire Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products

25/05/2024

Renting is expensive, leaving little wiggle room to allow for saving for your own place 💷

The good news is those rental payments aren't in vain!

Skipton's 100% mortgage scheme is there for renters who have a track record of at least 12 months of rent payments, as long as they've been made on time, and in full!

So if you're currently renting but dreaming of your own home, a conversation with us could kickstart it all 🤩

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

22/05/2024

Purchasing a home isn't a quick process, therefore the rates may change over the course of your waiting period

If rates have reduced considerably, and changing your deal is more financially sensible, it's not impossible! 😯

The potential to change depends on the lenders you are with, as they may incur a fee, or it may change your potential completion date, especially if you need to apply from the beginning

We'll keep an eye on mortgage rates and deals throughout your application, and we'll be able to guide you on your options 🔎

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

20/05/2024

If you're currently undergoing renovations such as an extension or conversion, you'll need to inform the lender what you're doing so that they can either visit to value, or amend their valuation.

Adding extra room in your home can add value, and whilst it won't reduce what you owe, it can increase your equity, as it can increase the value of your home 🏠

Many lenders stipulate when they need to be informed of changes to the property, even if you're not remortgaging, so it's worth checking your t's and c's 🤨

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

18/05/2024

Looking for a mortgage when you are on a fixed-term contract or have irregular income is possible, but it may present some challenges. Lenders typically assess mortgage applications based on the borrower's ability to make regular mortgage payments and meet their financial obligations. Here's what you need to consider:

📆 Fixed-Term Contract: If you are on a fixed-term contract, lenders may have some reservations about offering you a mortgage, as they prefer stable and predictable income sources. However, it doesn't mean you cannot remortgage. Here are some tips to improve your chances:

⏰ Timing: Lenders may have a preference as to the timing of your contract, and how long the contract is for
📜 History: If you have a history of contract renewals or consistent employment within your industry, this can strengthen your application.
💷 Income Proofs: Provide evidence of your income, such as pay slips, bank statements, and letters from your employer, to demonstrate your ability to make mortgage payments.
💳 Irregular Income: Having irregular income, such as being self-employed or working on a commission basis, can make it challenging to secure a mortgage. However, it is still possible:

We can help you navigate the mortgage market to find suitable options 👋🏼

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

15/05/2024

There are different reasons depending on your circumstances as to why you'd look to remortgage 🤔

👉🏼 Your Fixed Rate is ending, even if it's 6 months off, now's the time to pounce 🐅
👉🏼 Releasing funds, finally getting around to the new kitchen or extension? Let's sort finds for that through a remortgage
👉🏼 Change in circumstances, going through a breakup or newly married? Remortgaging is a good time to sort that

Most importantly, ALL three are a reason to see us about your mortgage 💚

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

13/05/2024

1 in 3 people living with cancer are of working age 😞

Living with cancer means different things to everyone, some may be able to work and want to work still, but many won't be able to

As well as the potential loss of income, the cost of having cancer mounts up with additional days off for treatment, hospital visits, additional requirements at home

Make sure you and your family are financially protected in any eventuality with Critical Illness Cover 🛡️

We can help you protect your family today 📱

Source:https://www.macmillan.org.uk/_images/people-of-working-age-with-cancer_tcm9-282791.pdf

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

Aspire Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products

12/05/2024

Nurses generally have access to similar mortgage options as other applicants, although certain lenders may offer preferential rates to NHS workers. 😯

For nurses seeking mortgage advice, consulting a Mortgage Broker with expertise in serving healthcare professionals can be advantageous to accessing these specialist lenders

Similar to other applicants, the amount you can borrow will depend on factors such as your income, credit score, type of mortgage, and whether you are applying individually or with a partner.

What is available to Nurses:

🌟 Shared Ownership
🌟 Right to Buy
🌟 First Homes scheme
🌟 Mortgage Guarantee
🌟 100% Mortgages
🌟 £5k deposit

To find out more about these schemes and whether they could help you get on the property ladder give us a call or book in with us today 📱

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

07/05/2024

Coffee cake, cheesecake, or chocolate cake, whichever is your favourite, we make mortgages feel as easy as these cakes go down

Whether it's the searching, the paperwork or the terminology that's putting you off, we'll handle it for you and help mortgages feel like a piece of cake for you 🧁

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

04/05/2024

You wouldn't ignore the seat belt sign on an aeroplane ✈️

So don't ignore our sign telling you to get your remortgage sorted sooner rather than later 🚨

Even if your mortgage deal doesn't end for another 6 months, now is the time to act ⏰

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

01/05/2024

Many believe in waiting to take out life insurance or critical illness cover until they're 'older' 😦

Illnesses such as Cancer don't discriminate on age, affecting any of us at any age, including children

Be protected earlier, speak to us about your policy options, and protect your family and loved ones for the future 🛡️

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

Aspire Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products

29/04/2024

How to become a homeowner in 2024? There are a few options, check them out 👇🏼

👉🏼 Help to Buy: Mortgage Guarantee Scheme:
- Introduced by the government in April 2021 to boost 5% deposit mortgages.
- Scheme extended until June 2025; lenders pay a fee for a government guarantee.

👉🏼 Shared Ownership:
- Allows buyers to purchase a share (25%-75%) of a property and pay rent on the rest.
- Buyers can start with a deposit as low as 5% of the share's price.

👉🏼 Help to Build:
- Aids self and custom builders with lower deposit mortgages.
- Government-backed loan available upon completion, akin to Help to Buy: Equity Loan scheme.

👉🏼 Lifetime ISA:
- Savings account encouraging saving for first home or retirement with a 25% government bonus.
- Allows annual contributions of up to £4,000.

👉🏼 Rent to Buy:
- Enables renting with the intention to purchase a newly built home.
- Facilitated by a government scheme.

👉🏼 Right to Buy:
- Allows council house or flat residents to buy at a discount, subject to location and tenure length.

👉🏼 Reduced Deposit Options:
- A couple of key lenders are offering £5k deposit and 0% deposit options for first-time buyers across the UK

Let's make you a new homeowner in 2024 🤩

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

27/04/2024

When splitting up or divorcing there are a couple of options available when you have a joint mortgage.

It's important that you both continue paying and keep up to date with your payments whilst you agree on a way forward.

Option 1️⃣ - Buy out your partner and stay living in your home. You could purchase your partner out of their share if you both agree to stay in the house. If you intend to stay in the family home with kids, this is typical. After that, you can change the mortgage's name to your name and remove your partner's name. What you agree upon with your partner or through a solicitor will determine how much you pay. If you choose to divide the value in half, you would calculate and divide the amount that you have paid off. You would give that sum to your partner together with the deposit they made. You could remortgage to get the money to buy out your partner.

Option 2️⃣ - Sell the property and divide the proceeds. One of the simplest methods to reach a just arrangement is to sell the home. You will divide the remaining proceeds from the sale or use the proceeds to pay off the remaining balance of the mortgage. You could have to divide the debt between you if the amount you owe exceeds the value of your house.

Option 3️⃣ - If you've nearly paid off the mortgage you could keep the property together and continue making payments until it's repaid, then sell the property and split the funds.

If you'd like more information or advice on your mortgage, give our team a call or message us 📱

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

24/04/2024

Running your own business is undoubtedly challenging and can impact various aspects of your life, including your mortgage.

If you operate your business from home, it's crucial to consider how this may affect your mortgage. Typically, you'll need to seek permission from your mortgage provider to run a business from the property. While this process is usually straightforward, some residential mortgages have terms prohibiting home-based businesses, so it's essential to proceed with caution. Breaching your mortgage terms can lead to severe consequences, including the possibility of immediate repayment of the mortgage. 👀

As long as you're not making significant alterations to the property, such as adding extra rooms, your residential mortgage is unlikely to be affected by working from home. However, certain activities, like teaching yoga or conducting therapy sessions, may require a semi-commercial mortgage if they exceed a certain threshold of floor space dedicated to the business.

It's also important to review any restrictive covenants or legal restrictions outlined in the Title Deeds held by the Land Registry. 📜

If you run your business from home, let us know when we start the mortgage process with you 📱

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

22/04/2024

A lifetime ISA, or LISA for short, is designed to assist you in purchasing your first home 🏡

You could purchase a house or a flat, new build or older, a lifetime ISA can be used to purchase any kind of home, as long as it's residential, you're going to live in it, it's the first home you've owned and it costs you no more than £450,000.

You can't however buy a houseboat, as it would need to have a legal interest in land 🛶

With LISA you can also purchase a home through shared ownership, or utilising other help-to-buy schemes available for first time buyers 😯

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

21/04/2024

Pop the kettle on and have an hour to yourself and a brew whilst we work with you to sort your mortgage ☺️

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

17/04/2024

"I'll google it"

We all say it, we all do it, but it doesn't always benefit us

Looking up your mortgage queries online or in forums may be 'easier' than going through it with an adviser, but it can leave you open for incorrect advice or cause you to miss out on key advice!

We don't want to bore you about mortgages, we want to help.

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

15/04/2024

To cope with rising living costs, as many as 26% of people have cancelled insurance policies to save money.📈

Before you take action like this, consider what it would be like for you or your family to not have your insurance policy there when it's needed most? 😟

So if you have considered cancelling, or you haven't got any protection in place, speak to one of our experts today to match you with a suitable policy that won't be as scary to your monthly bills. 💛

Source: https://www.ftadviser.com/life-insurance/2024/01/30/quarter-of-uk-workers-cancel-insurance-policies/

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

Aspire Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products

13/04/2024

Typically, mortgage offers are valid for a certain period, usually ranging from 60 to 180 days, depending on the lender's policies and the specific terms of the offer. 📃

Once the expiration date passes, the terms of the offer may change or it may no longer be available.

To ensure you don't miss out on your preferred mortgage deal, it's essential to be aware of the expiration date and complete all necessary steps within the specified timeframe. This includes finalising property valuations and completing any required legal paperwork.

If you have any questions about mortgage offers or need assistance navigating the process, don't hesitate to reach out. We're here to help you every step of the way. 🏡

Call us on 01603 319319 to book an appointment ☎️ Or Visit www.aspire-mortgages.com/

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

Address

Norwich
NR151LT

Telephone

+441603319319

Website

http://www.aspire-mortgages.com/

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So grateful for all the NHS heroes 💙

Sorting your mortgage is a big deal but it shouldn’t mean big money. 💷 If you’re concerned about your current mortgage, or what your remortgage is going to look like then speak to the experts at Aspire Mortgages 📱 Call us on 01603 319319 to book an appointment ☎️ YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Moving can be logistically, mentally and physically taxing 😩 It can feel like your herding a bunch of cats, or spinning 101 plates! 🐈 Well, worry no more, put the dreamies away and the plates back on the shelf. 😌 We got you, and we won’t let you fall, we’ll organise, chase, arrange and deal with whatever your mortgage and journey throws at us, so that you don’t have to 💙 Call us on 01603 319319 to book an appointment ☎️ YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

⚠️ Bank of England increased the base rate today to 1% ⚠️ If you’re on a fixed rate mortgage, no need to worry, as your rate won’t change until the end of your term 😮‍💨 If you’re on your lender’s standard variable rate, or tracker mortgage, check in with us on what this could mean for your monthly payments and how we could help you combat another increase. 💙 Call us on 01603 319319 to book an appointment ☎️ YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Life insurance is a financial product that could give you peace of mind that money for your family would be available if the worst was to happen to you 😭 This could support them for a number of years with a lump sum or even help them pay off a mortgage that would be left behind. Let’s have a chat and see how life insurance may be able to help you and your family 💙 Aspire Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products.

If you aren't already on a fixed mortgage product, then it's definitely worth considering. A fixed rate provides you protection against potential rising interest rates, and therefore allows you to budget more easily, with the same mortgage payment amount each month. 🙌🏼 Book in for a review today to see if it's worth fixing your mortgage rate! 💙 Call us on 01603 319319 to book an appointment ☎️ YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Because I’ve been with my bank a long time will I get better mortgage deals? 🤔 In short your bank doesn't always reward your loyalty, plus there are many different options outside of High Street lenders! Ones that we could give you access to. Speak to us today to discuss your options 💙 Call us on 01603 319319 to book an appointment ☎️ YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Not sure whether to port your current mortgage or take out a new one? 🤔 It could all depend on the rate that the original mortgage was taken out. If rates have drastically changed and reduced, then it may be cheaper to pay the early repayment charge instead of porting. 📈 As a broker, it’s our job to identify your needs and give you the best advice in this situation. Call us on 01603 319319 to book an appointment ☎️ YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.