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Monday 9am - 5:30pm Tuesday 9am - 5:30pm Wednesday 9am - 5:30pm Thursday 9am - 5:30pm Friday 9am - 5:30pm Saturday 9am - 1pm

Harmony Financial Services

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Harmony Financial Services

Mortgage Broker & Adviser in Nottingham Providing Award Winning Mortgage & Protection Advice to

23/05/2026

How to get approved for a mortgage 🏡

Getting approved for a mortgage can feel overwhelming, especially for first-time buyers.

We have listed our 3 main tips to help improve your chances!

Need help finding the right mortgage? 📞Our mortgage advisers are here to guide you every step of the way. Whether you are a first-time buyer, moving home, or remortgaging, we are here to help. Give us a call today for a free chat and get started on your mortgage journey!

📧: [email protected]
📞: 0115 896 9776

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

21/05/2026

How to get the best mortgage deal as a first-time buyer? 🏠

We have put together a few tips to help you get started on finding the best mortgage deal 👇

1️⃣ Boost your credit score: Register to vote and keep your credit card balances low. Aim to pay off any existing debts, as lenders view a lower debt-to-income ratio more favourably.

2️⃣ Look beyond the interest rate: Always factor in arrangement fees, valuation costs, and early repayment charges. Sometimes a slightly higher rate with no fees can be cheaper in the long term.

3️⃣ Get an Agreement in Principle: This confirms to sellers how serious a buyer you are and qualifies you, giving you more negotiating power when making an offer.

We specialise in supporting first-time buyers with simple, stress-free advice tailored to your needs.

📧: [email protected]
📞: 0115 896 9776

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

19/05/2026

Need help with your mortgage as a self-employed? 👨‍💻

Being self-employed doesn’t mean you can not get a mortgage. With the right guidance and advice, it is all possible.
Mortgage lenders prefer borrowers with a steady level of income. Slower months can bring your average income down, but with the right advice and guidance, you can boost your chances 👌

Being on the border of affordability? Please talk about it with your mortgage adviser to gain a better understanding of how lenders assess affordability.

At Harmony Financial Services, we help self-employed individuals like you boost your mortgage chances.

📲 Contact us for free advice and take the next step toward your dream home!

📧: [email protected]
📞: 0115 896 9776

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

11/04/2026

Modern 4-Bed Detached Home in Ramblers Close, Colwick 🏠

This beautifully extended home is perfect for families or anyone seeking space, comfort, and style. Set on a generous plot, it features a welcoming entrance hallway, a bright open-plan living and family area, and a contemporary kitchen diner with plenty of room for family meals. A separate dining room adds flexibility, and a handy downstairs WC offers extra convenience ‍👨‍👩‍👦‍👦

Upstairs, there are four well-proportioned bedrooms, including a superb master with en-suite, plus a modern family bathroom.

Outside, enjoy a sizeable rear garden, ideal for children, pets, or summer barbecues, along with a driveway and integrated garage providing secure parking for two vehicles 🚗 🚗

Located in a friendly, sought-after neighbourhood with excellent schools, shops, and transport links nearby, this home offers modern living in a prime location. Viewing is highly recommended!

For more details or to arrange a viewing, get in touch with Modern 4-Bed Detached Home in Ramblers Close, Colwick 🏠

This beautifully extended home is perfect for families or anyone seeking space, comfort, and style. Set on a generous plot, it features a welcoming entrance hallway, a bright open-plan living and family area, and a contemporary kitchen diner with plenty of room for family meals. A separate dining room adds flexibility, and a handy downstairs WC offers extra convenience ‍👨‍👩‍👦‍👦

Upstairs, there are four well-proportioned bedrooms, including a superb master with en-suite, plus a modern family bathroom.

Outside, enjoy a sizeable rear garden, ideal for children, pets, or summer barbecues, along with a driveway and integrated garage providing secure parking for two vehicles 🚗 🚗

Located in a friendly, sought-after neighbourhood with excellent schools, shops, and transport links nearby, this home offers modern living in a prime location. Viewing is highly recommended!

For more details or to arrange a viewing, get in touch with Johnsons And Partners Estate Agents

09/04/2026

Despite planning and saving, you may find that there will be a shortfall in your retirement savings that will prevent you from living the lifestyle you want.

Owning a home doesn’t always mean you’ll have enough money for retirement.

Another example would be where a homeowner reaches the end of an interest-only mortgage but then does not have enough money to pay off the capital 💷

Mortgages for later life can be considered to free up additional funds.

Things to keep in mind:
✅ You stay the homeowner
✅ Monthly repayments may not be needed, depending on the product
✅ Interest can build up over time, increasing the total amount owed

Curious if it could work for you? Chat with our mortgage advisers today and see what options fit your retirement goals.

📧: [email protected]
📞: 0115 896 9776

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

29/03/2026

What is a Mortgage Valuation and How Much Does It Cost?

When you apply for a mortgage your lender will usually carry out a mortgage valuation. This checks that the property is worth the amount you’re borrowing.

Why it matters:

✅ The valuation is mainly for the lender’s benefit, ensuring the property is a safe investment for your loan.

🏠 It also gives a quick idea of the property’s value, so you can see if you might be paying too much or if it’s a good deal.

Many lenders include a free valuation as part of their mortgage deals. If a fee applies, it is usually a flat fee and rarely more than a few hundred pounds 💷

Based in Nottingham and thinking about your next move? We can guide you through the process and help you find the best mortgage solution for your next move.

Let’s make moving simple, without losing the mortgage deal you’ve worked hard for.

📧: [email protected]
📞: 0115 896 9776

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

21/03/2026

Are you a first-time buyer wondering how to get the best mortgage rate possible?

Making sure your credit score is in good shape can help you start your homeownership journey with lower repayments and a faster path to owning a home.

Pay your rent on time, and make it count 📆

All regular rent payments show credit agencies that you are a reliable borrower, as rent is often one of your highest expenses.

Keep your credit use under 30% 👌

Borrowing more than 30% of your available credit may suggest that you struggle to meet your current commitments. Even if you pay your loans on time, a high percentage of credit use can be seen as overextending your budget.

Hold off on new credit 🙅

If you are applying for a mortgage, try to avoid taking out new credit in the six months beforehand.

Register to vote ✅

The ID and address on the electoral roll help establish trust between you and lenders.

DM us for a free, friendly chat about getting your credit score ready!

📧: [email protected]
📞: 0115 896 9776

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

19/03/2026

Buy a house with cash or take a mortgage? 🏠

Paying for a home in cash can feel amazing. No monthly mortgage payments, no interest, and you own it outright from day one. Sellers often prefer cash offers too, so you might even negotiate a better price and close the deal faster.

But it’s not always the best choice for everyone. Using all your savings to buy a home means your cash is tied up, leaving less for emergencies, repairs, or other investments. Mortgages can help you keep money available and even let you earn more by investing elsewhere 🏦

Another downside of not having a mortgage is that you don’t build a consistent credit history, which could make it harder to borrow in the future for things like a car, personal loan, or another property 💷

In short, a mortgage gives you flexibility and options, while buying with cash gives simplicity and freedom in owning your home.

We can help you consider your financial goals and safety net before making a decision. At Harmony Financial Services, we guide you in planning the best strategy for your situation and ensure you get the deal that works for you 🙌

📧: [email protected]
📞: 0115 896 9776

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

17/02/2026

Still think you need 20% to buy your first home? 🤔🏡
Most first-time buyers in the UK are purchasing with just 5–10%.

Don’t let common myths hold back your move. 🚀
Understanding what’s realistic for you could bring you one step closer to your new home.

👉 Get in touch today to explore your options and see how close you could be to buying.

24/12/2025

🎄✨ Merry Christmas & Happy New Year! 🎉

Thank you for an incredible year! Wishing you and your loved ones a holiday season filled with joy, warmth, and wonderful memories.

🎅 We'll be back on January 5th see you in 2026!

Address

Fenchurch House 12 King Street
Nottingham
NG12AS

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5:30pm
Saturday	9am - 1pm

Telephone

+441158969776

Website

https://harmonyfs.co.uk/

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