Mark Savill Independent Mortgage Adviser

Mark Savill Independent Mortgage Adviser Mortgages, Life Insurance, Critical Illness Insurance, Income protection insurance Property rental income and buy to let mortgages can be included.

TFA are regulated by the Financial Conduct Authority - peace of mind and recourse to Financial Ombudsan Service

Whole of market mortgage and protection advice. This means that any mortgage lender that accepts broker fed business is available for you. Upadted daily it really does mean you can access the very best deals that are available. The same applies to life insurance, critical illness insura

nce, and income protection insurance. These are all part of the whole of market offering designed to get you into the home, and once in it to keep you in it with peace of mind that you and your family are as protected as you can choose. Mortgage Brian to give you up to date mortgage products across the whole of the market. Mortgage Brain can change the input criteria, the order in which the results are produced, show the true cost of a product over a specific period, and show how overpayments can affect the total interest you will pay. Mortgage Brain is an incredibly powerful, fexible, market leading tool to access you the best advice possible. Criteria Hub - to see which lenders will cater for your specific circumstances and needs. Lenders all have their own lending criteria for types of applicant, employment types, acceptable sources of income, types of property considered suitable for lending etc. Criteria allows you to see what lenders will cater for either a single specific criteria, or for a basket of criteria. Affordability Hub- an accurate forecast of your borrowing capacity based on your income and expenditure analysis with over 30 of the UK's top lenders. Income is broken down into basic salary, bonuses, commission, overtime, non earned income, & benefit income. Expenditure can include your credit commitments, pensions, student loans, maintenance, & childcare. Once the information has been added the calculators are run in real time. Inputs can be changed to see the affects on borrowing of paying off a loan or altering an income. My Personal Financial Portal - MyPFP - available with both online and app based access to your plans, documents, and assets. PFP has a document upload facility to remove the threat of your personal data being hacked from an email. We can exchange documents and communicate easily and enjoy bank level security at the same time. Personal advice sepcific to your circumstances and needs. Independent mortgage advice should be seen as part of your financial journey. MyPFP willl record all of your personal financial information securely in readiness for the next financial event. The past information is saved as a snap shot and then new data can be added. Over time a personal financial CV begins to build which enables you to access your own personal financial journey. We will review this information each time we meet to check its relevance and to assess the next step forward in your financial journey. Message me, call me, or email me to take the first step on your financial journey with TFA.

23/11/2023
Great find Ben Lavell - Independent Mortgage Adviser A really helpful guide
16/12/2022

Great find Ben Lavell - Independent Mortgage Adviser
A really helpful guide

The Bank of England has increased the base rate from 3% to 3.5%. This rate is used by the central bank to charge other banks and lenders when they borrow money – and so it influences what borrowers pay and what savers earn.

Welcome Dave to TFA Trusted Financial Advice Truro TFA continues growing which is fantastic
16/12/2022

Welcome Dave to TFA Trusted Financial Advice Truro
TFA continues growing which is fantastic

Welcome on board to Dave! Dave joins our team in the Truro Office as an Independent Financial Adviser. Read about him here https://tfagroup.co.uk/our-people/dave-boardman/

Love what TFA Trusted Financial Advice Truro are saying here.
24/11/2022

Love what TFA Trusted Financial Advice Truro are saying here.

It’s good to talk. More young adults are more engaged and talking about money with their parents than past generations

Recommend using this web site to check for scams. Fabulous service for your personal safety
23/11/2022

Recommend using this web site to check for scams. Fabulous service for your personal safety

Valuable market information from James Lavis Estate Agent advising sellers to listen to what the market is telling them....
22/11/2022

Valuable market information from James Lavis Estate Agent advising sellers to listen to what the market is telling them. Good advice is always worth listening to

🏠 With the recent Autumn Statement and mortgage rates falling, the market is steady and settled 🏠

🧐 CHRISTCHURCH WEEKLY PROPERTY MARKET UPDATE 🧐

Here are the stats for the BH23 area in the last week:

54 new properties listed (no change from last week)
4 of these new instructions have sold already
20 price reductions (no change)
468 total properties for sale (a slight increase)
628 properties under offer/sold (a fall of 19 from last week, and 32 from the week before)

Total properties for sale in BH23 area today stands at 468 with another 628 properties sale agreed, this means that out of a total of 1096 properties on the market in the Christchurch BH23 area – around 57% are sale agreed, this figure has dropped by 3% over the last few weeks but the market is steady and properties are going through to exchange and completion instead of falling through.

What is interesting to note is that there are around 140 properties which have been For Sale on the market for three months or more – 30% of all properties for sale.

With more prices being reduced Rightmove say:

‘…there are signs that more existing sellers, whose properties were already on the market and unsold, are willing to take their agents’ recommendations and reduce their prices in order to achieve a quicker sale.’

As we get further into the December period, your decision making about selling your home will become more important.

Do you stick with your current agent and strategy, or go down a different route? What’s clear is that if you have been on the market for 12 weeks and nothing has changed, then you are unlikely to sell before Christmas unless you do something to make it happen.

If you are concerned that your property sale is going nowhere, don’t leave it to go stale on the market, please get in touch and ask for a sales strategy meeting with me so I can provide solid advice and a and a plan to get it sold.

https://jameslavis.exp.uk.com/2022/11/21/christchurch-weekly-property-market-update/

Great advice LV= which all of the advisers at TFA - Trusted Financial Advice would endorse 👏👏👏
18/11/2022

Great advice LV= which all of the advisers at TFA - Trusted Financial Advice would endorse 👏👏👏

Recent data from the City of London Police showed that more than £890 million was lost to investment fraud in the last year. This make sure you know what to look out for and how to protect yourself: https://bit.ly/3XcOUcI

So agree Zoe Graham - Independent Mortgage Adviser. My clients have so many questions about this market. It is brilliant...
18/11/2022

So agree Zoe Graham - Independent Mortgage Adviser. My clients have so many questions about this market. It is brilliant to be able to show them the section of the market that is still very affordable. One client saved close to £200 a month by showing her a tracker product 😃

With the mortgage market moving so quickly, it’s really important to take expert advice to secure the right mortgage deal for you. At TFA we’re keeping a close eye on developments and our advisers have the latest details on the best deals available, we're here to help guide you through your mortgage options.
https://tfagroup.co.uk/mortgages/

I know someone who nearly lost money with this evil scam. If you get a message like that call them on their normal numbe...
16/11/2022

I know someone who nearly lost money with this evil scam. If you get a message like that call them on their normal number. When they answer you will know it was a scam message

We’re still seeing lots of scams on WhatsApp. You might get a message from an unknown number claiming to be family or a friend that asks for money. Always call them on a number you trust to check it’s genuine. Learn more about keeping safe online: http://spr.ly/6185Mx43V

Pertinent and insightful comments from James Lavis Estate Agent Good advice is worth listening to
16/11/2022

Pertinent and insightful comments from James Lavis Estate Agent
Good advice is worth listening to

🏠 The property market is returning to NORMAL (pre-pandemic) levels! 🏠

CHRISTCHURCH WEEKLY PROPERTY MARKET UPDATE 🧐

Here are the stats for the BH23 area in the last week:

🏠 53 new properties listed (a 12% fall)
🏠 none of these new instructions have sold yet 👎
🏠 21 price reductions (a small decrease)
🏠 463 total properties for sale (another slight increase)
🏠 647 properties under offer/sold (a slight fall)

Total properties for sale in BH23 area today stands at 463 with another 647 properties sale agreed, this means that out of a total of 1110 properties on the market in the Christchurch BH23 area – around 58% are sale agreed, this figure has dropped by 1% this week but shows the market is holding.

Interestingly, of all of the properties listed for sale in BH23 in the last 7 days, not one of them has sold yet (according to Rightmove).

This is the first time I've seen this happen for a long time and indicates that properties are taking longer to sell - you should no longer assume your home is going to sell immediately like it has been for the last couple of years (with the correct pricing strategy, you can but it needs to be ultra competitive in order to attract immediate attention and offers).

Rightmove today said that 'in October, 8% of unsold properties on Rightmove were reduced in the month, in line with the 7.5% of properties that were reduced in October 2019'.

As we return to a more normal market, how we market, sell and buy homes will begin to move back to a stable situation - properties will take weeks & months rather than days to sell - meaning your choice of estate agent will be crucial.

Experience of how to sell and market homes should now be the most important factor when choosing your agent - how long have they been an agent? What is their plan to sell your home if it doesn't sell after the first two weeks?

If you are interested in your own home's value, please get in touch and ask for a sales strategy meeting with me.

16/11/2022

With the mortgage market moving so quickly, it’s really important to take expert advice to secure the right mortgage deal for you. At TFA we’re keeping a close eye on developments and our advisers have the latest details on the best deals available, we're here to help guide you through your mortgage options.
https://tfagroup.co.uk/mortgages/

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Poole

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