Darren Brown - Mortgage & Protection Adviser at Fitch & Fitch

01/06/2020

Have you been holding off your next move? 🏘

For most people there has been so much uncertainty over the last 2-3 months about the impact of the current situation on your next property purchase!

I’ve worked to support as many of my new and existing clients during the time.

With the government announcements last couple of weeks, we have now started to see movement in the UK property and mortgage market.

Lenders are bring back more mortgage options for clients requiring higher LTV’s.

Physical valuations are now being booked in and completed and at a rapid pace.

Estate agents are now conducting physical viewings & listing new properties.

Is now the right time ⏰ to find out where you stand, what your options are and the best way to take it forward? 🤷‍♀️

We’re happy to talk to you about your plans for your next move at a time that suits you!

📞 07534 344 188
📧 [email protected]
💻

Fitch & Fitch award winning Norwich, UK mortgage broker provides first-class independent mortgage advice to suit your requirements.

26/05/2020

Fantastic news for First Time Buyers and Home movers alike!!

Accord & Virgin are among the first lenders to up products up to 90% Loan to Value (LTV). ☝️☝️

Previously lenders had restricted purchase at higher LTV's due to the issues around valuation prior and during the lockdown, but with the market now opening back up and valuation underway lenders are now opening back up this range of products.

I spoke with several purchasers just prior and during lockdown who where left disappointed.

Well, is now the time to make those dreams come true? 👍

Following the re-commencement of physical valuations, Accord Mortgages and Virgin money have resumed residential lending up to 90% LTV.

20/05/2020

Are you due to Re-mortgage between now and the next 6 months?

Are you looking to buy your first property, move to that next dream home or grow your investment portfolio? 🏘

Do you have the time to assess your best mortgage option across the market? ⌚️

Are you aware that simply picking the lowest rate available may not actually be the best option for you?

On average, as mortgage experts we spend about 24 working hours in total helping a client with their mortgage, from end (First point of enquiry) to end (completion).

This would typically include client interactions, lender interactions, estate agent and solicitor liaison, document assessments, providing advice, recommendation and quoting and much, much more…..

Our clients will typically invest about only 3-4 hours during this process.

Imagine how long it could take you to do the same……⏰

Think of all the things you could do or what you could achieve in that time……

Let us help you with your mortgage! Let us help to take away the stress and hassle that can come with the process leaving you to spend that time doing things you enjoy!

How would you spend that time?

📞 07534 344 188
📧 [email protected]
💻 www.fitchandfitch.co.uk/norwich

13/05/2020

Fantastic news for our clients and all of the re-mortgagers and homemovers out there! 👍

I know I'll have some very happy clients who can fianlly move into their new homes! 😀

Have you been holding off that next move....?

The housing market in England is set to reopen as lockdown measures are rolled back.

Rules coming into force today will now allow "key activities relating to moving home" meaning estate agents can return to work.

During lockdown restrictions had been placed on the industry which prevented agents listing new properties and buyers were only able to partake in virtual viewings. As detailed in this article from The Guardian, property viewings will be permitted from today as long as social distancing rules are observed.

Estate agents back to work on Wednesday as new laws permit key house-hunting activities

08/05/2020

We're passionate about saving our clients’ time and money. We don't want you to pay any more for your mortgage than you have to!! 👍

Just because the media tell people everything is closed, it isn’t technically true and lenders are opening up as much as ever.

We’re more focused than ever to ensure our existing clients and new clients are getting the very best deals available to them as quickly as possible.

More & more lenders are coming back into market, ensuring we can offer you the best, at all times.

We endeavor to give the best advice at all times for you, your family and your income.

Let us do the hard work for you, saving time and money when it comes to arranging your mortgage and protection!

📞 07534 344 188
📧 [email protected]
💻 www.fitchandfitch.co.uk/norwich

06/05/2020

The latest House Price Index from Nationwide has shown that annual house price growth rose by 3.7% in April, with a monthly growth of 0.7%. The first quarter of the year had seen the housing market gathering momentum before being halted by the Covid-19 pandemic.

Although showing a positive picture for April, Nationwide have stated that the impact of the pandemic is not fully reflected in this data and the short and medium-term outlook for the market is "highly uncertain".

Article via Property Wire

Annual house price growth rose to 3.7% in April 2020, up from 3% in March, Nationwide’s House Price Index has found. Monthly prices rose by 0.7% to £222,915, as Nationwide said the impact of the pandemic is not fully captured by the data. Robert Gardner, Nationwide’s chief economist, said: “I...

04/05/2020

Have you come to the end of your initial mortgage term?

Are you looking to find a new deal?

There's a lot of information out there and it can be a bit overwhelming, can't it? 😬

Sometimes it feels easier to simply stay with your existing provider.

BUT that's not always the best option! 👍

To see if there's a better deal out there for you, get in touch to speak to one of our experts.

📞 07534 344 188
📧 [email protected]
💻 www.fitchandfitch.co.uk/norwich

30/04/2020

What’s your back-up plan? 🙅‍♂️

It's always advisable to have a back-up plan. When you’re a homeowner or have a family that is dependent on you it becomes even more important to have something in place to protect you.

Protect you and your family at a time when you don’t need it, ready for when you do!

Don't wait for the worst to happen, if you do, you’re too late!

We’re here at anytime and we can talk you through any insurance & protection that's best for you, your family and your income. 👨‍👩‍👦‍👦

📞 07534 344 188
📧 [email protected]
💻 www.fitchandfitch.co.uk/norwich

29/04/2020

Coutts have published their latest London Prime Property Index for the first quarter of the year. The analysis records an annual price increase of 6.6%, with some areas, such as Knightsbridge & Belgravia, recording an increase of over 8.5%.

The report also suggests that, although currently at a standstill, the market could resume from where it left off once normality returns if the lockdown exit strategy is managed effectively.

Our latest review of property prices in the London prime market suggests they were looking up before coronavirus brought everything to a halt.

27/04/2020

For those looking for a buy-to-let mortgage, there are still plenty of options available. According to the latest analysis from Mortgage for Business, 42 of the 49 lenders operating at the beginning of March are continuing to offer buy-to-let lending despite the current situation.

Article via Property Wire

Some 42 of the 49 buy-to-let lenders operating at the beginning of March are still lending despite the impact of coronavirus, analysis from Mortgages for Business shows. Together Money and Vida Homeloans have both pulled out of the market, while HSBC is no longer accepting buy-to-let applications. H...

14/04/2020

Remortgage due soon? Borrowers can still remortgage and get the best rates! 👍

While the number of mortgage products on the market might be reducing, it's still possible for borrowers to remortgage when their current deal comes to an end.

Research by Moneyfacts.co.uk shows that while lenders are under operational pressure it is still possible to remortgage your home and save thousands thanks to historically low interest rates.