First Thought Financial

First Thought Financial We guide you on financial planning, mortgages & insurance for your business or loved ones.

Our Services
We are here to guide you through the whole process, whether this is your mortgage, managing your wealth or updating your protection for your business or loved ones. Here at First Thought Financial Services, we make the whole process simple and straightforward and by getting to know you we can really understand your individual situation to find you the most suitable solution. Our finan

cial planning team can work with you to make informed choices about your short-term goals and longer-term needs, helping to answer questions you might have on issues such as how much you need to retire; tax-efficient investing; pensions, inheritance tax planning as well as paying for care fees in later life. Our experts will also work with you to make sure that you and your assets are financially protected. We can also help with many ways to protect your family and your standard of living when you need it most. There are various ways in which a family can protect itself, and because of the large range of products available, there is usually an appropriate policy for most circumstances, and most budgets.

๐—˜๐˜ƒ๐—ฒ๐—ฟ ๐˜„๐—ผ๐—ป๐—ฑ๐—ฒ๐—ฟ๐—ฒ๐—ฑ ๐˜„๐—ต๐—ฎ๐˜ ๐—ฎ๐—ป ๐—ฆ๐—ฉ๐—ฅ ๐—ถ๐˜€?๐Ÿค”The lender's variable rate is known as SVR or standard variable rate. A variable-rate will...
03/02/2025

๐—˜๐˜ƒ๐—ฒ๐—ฟ ๐˜„๐—ผ๐—ป๐—ฑ๐—ฒ๐—ฟ๐—ฒ๐—ฑ ๐˜„๐—ต๐—ฎ๐˜ ๐—ฎ๐—ป ๐—ฆ๐—ฉ๐—ฅ ๐—ถ๐˜€?๐Ÿค”

The lender's variable rate is known as SVR or standard variable rate. A variable-rate will go up and down as the market fluctuates, and the lender has control over that rate. Most lenders will keep interest rates in line with the Bank of England base rate.๐Ÿฆ

Listen to our Mortgage Jargon Buster podcast today

https://firstthoughtfinancial.com/mortgage-types/

๐——๐—ผ ๐˜†๐—ผ๐˜‚ ๐—ธ๐—ป๐—ผ๐˜„ ๐˜„๐—ต๐—ฎ๐˜ ๐—ฎ ๐—™๐—ถ๐˜…๐—ฒ๐—ฑ-๐—ฅ๐—ฎ๐˜๐—ฒ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ถ๐˜€?๐Ÿค” A fixed rate is where your mortgage interest rate is guaranteed to stay the ...
27/01/2025

๐——๐—ผ ๐˜†๐—ผ๐˜‚ ๐—ธ๐—ป๐—ผ๐˜„ ๐˜„๐—ต๐—ฎ๐˜ ๐—ฎ ๐—™๐—ถ๐˜…๐—ฒ๐—ฑ-๐—ฅ๐—ฎ๐˜๐—ฒ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ถ๐˜€?๐Ÿค”

A fixed rate is where your mortgage interest rate is guaranteed to stay the same for a set period of time. It's one of the most popular interest rates across the mortgage market because people like to know what their payments are going to be every month.๐Ÿ’ท

Listen to our podcast today for all things mortgages https://firstthoughtfinancial.com/mortgage-types/

๐—ช๐—ต๐—ฎ๐˜ ๐—ถ๐—ณ ๐—œ ๐—ต๐—ฎ๐˜ƒ๐—ฒ ๐—ผ๐—ป๐—น๐˜† ๐—ฟ๐—ฒ๐—ฐ๐—ฒ๐—ป๐˜๐—น๐˜† ๐—ฏ๐—ฒ๐—ฐ๐—ผ๐—บ๐—ฒ ๐—ฎ ๐—ฐ๐—ผ๐—ป๐˜๐—ฟ๐—ฎ๐—ฐ๐˜๐—ผ๐—ฟ, ๐—ฐ๐—ฎ๐—ป ๐—œ ๐˜€๐˜๐—ถ๐—น๐—น ๐—ด๐—ฒ๐˜ ๐—ฎ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ?Generally it helps if youโ€™ve been contracti...
23/01/2025

๐—ช๐—ต๐—ฎ๐˜ ๐—ถ๐—ณ ๐—œ ๐—ต๐—ฎ๐˜ƒ๐—ฒ ๐—ผ๐—ป๐—น๐˜† ๐—ฟ๐—ฒ๐—ฐ๐—ฒ๐—ป๐˜๐—น๐˜† ๐—ฏ๐—ฒ๐—ฐ๐—ผ๐—บ๐—ฒ ๐—ฎ ๐—ฐ๐—ผ๐—ป๐˜๐—ฟ๐—ฎ๐—ฐ๐˜๐—ผ๐—ฟ, ๐—ฐ๐—ฎ๐—ป ๐—œ ๐˜€๐˜๐—ถ๐—น๐—น ๐—ด๐—ฒ๐˜ ๐—ฎ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ?

Generally it helps if youโ€™ve been contracting for at least a year. But if you have plenty of prior experience in similar, employed roles, a lender may be happy to accept you with a shorter track record.

Find out more about how we can help here https://firstthoughtfinancial.com/contractor-mortgages/contractor-mortgage-daily-rate/

๐——๐—ผ๐—ฐ๐˜๐—ผ๐—ฟ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ๐˜€ - ๐—ฐ๐—ผ๐—บ๐—ฝ๐—ฎ๐—ฟ๐—ถ๐—ป๐—ด ๐—ฎ๐—น๐—น ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ผ๐—ฝ๐˜๐—ถ๐—ผ๐—ป๐˜€ ๐Ÿš‘For busy Doctors, itโ€™s hard to find time to compare mortgage rates. Weโ€™ll...
20/01/2025

๐——๐—ผ๐—ฐ๐˜๐—ผ๐—ฟ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ๐˜€ - ๐—ฐ๐—ผ๐—บ๐—ฝ๐—ฎ๐—ฟ๐—ถ๐—ป๐—ด ๐—ฎ๐—น๐—น ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ผ๐—ฝ๐˜๐—ถ๐—ผ๐—ป๐˜€ ๐Ÿš‘

For busy Doctors, itโ€™s hard to find time to compare mortgage rates. Weโ€™ll seek out competitive deals, whether youโ€™re

๐Ÿ‘‰ newly qualified
๐Ÿ‘‰ in General Practice
๐Ÿ‘‰ a locum
๐Ÿ‘‰ working across numerous services or Trusts
๐Ÿ‘‰ in private practice

Explore how we help with Doctor Mortgages https://bit.ly/3vc3tPi ๐Ÿ˜ท

Buying a home in Watford? Let First Thought Financial Services take the stress out of moving. As a local broker we can  ...
13/01/2025

Buying a home in Watford? Let First Thought Financial Services take the stress out of moving. As a local broker we can

๐Ÿ‘‰find competitive mortgage deals
๐Ÿ‘‰manage your mortgage application
๐Ÿ‘‰chase up solicitors, agents, and more

Find out more about how we help https://firstthoughtfinancial.com/about-us/mortgage-broker-watford/

๐—›๐—ผ๐˜„ ๐—ถ๐˜€ ๐—ฎ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฐ๐—ฎ๐—น๐—ฐ๐˜‚๐—น๐—ฎ๐˜๐—ฒ๐—ฑ ๐—ณ๐—ผ๐—ฟ ๐—ฎ ๐˜€๐—ฒ๐—น๐—ณ-๐—ฒ๐—บ๐—ฝ๐—น๐—ผ๐˜†๐—ฒ๐—ฑ ๐—ณ๐—ถ๐—ฟ๐˜€๐˜ ๐˜๐—ถ๐—บ๐—ฒ ๐—ฏ๐˜‚๐˜†๐—ฒ๐—ฟ ๐—ถ๐—ป ๐˜๐—ต๐—ฒ ๐—จ๐—ž?Generally, lenders will look at your past tw...
09/01/2025

๐—›๐—ผ๐˜„ ๐—ถ๐˜€ ๐—ฎ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฐ๐—ฎ๐—น๐—ฐ๐˜‚๐—น๐—ฎ๐˜๐—ฒ๐—ฑ ๐—ณ๐—ผ๐—ฟ ๐—ฎ ๐˜€๐—ฒ๐—น๐—ณ-๐—ฒ๐—บ๐—ฝ๐—น๐—ผ๐˜†๐—ฒ๐—ฑ ๐—ณ๐—ถ๐—ฟ๐˜€๐˜ ๐˜๐—ถ๐—บ๐—ฒ ๐—ฏ๐˜‚๐˜†๐—ฒ๐—ฟ ๐—ถ๐—ป ๐˜๐—ต๐—ฒ ๐—จ๐—ž?

Generally, lenders will look at your past two yearsโ€™ SA302 tax calculations to understand what your income is. They will base their affordability calculations on that. If youโ€™ve had a lower income in the past year, they may just use that figure.

Find out more about how we can help here https://firstthoughtfinancial.com/mortgages/self-employed-mortgage/self-employed-first-time-buyer/

Three reasons to choose First Thought Financial Services Planning to move home? Hereโ€™s why you should talk to us:๐Ÿ‘‰we com...
06/01/2025

Three reasons to choose First Thought Financial Services

Planning to move home? Hereโ€™s why you should talk to us:

๐Ÿ‘‰we compare dozens of mortgages to get you a good deal
๐Ÿ‘‰we advise on the mortgages to suit you
๐Ÿ‘‰we can save you money

Find out more about how we can help

https://firstthoughtfinancial.com/about-us/mortgage-broker-watford/

๐—œโ€™๐˜ƒ๐—ฒ ๐—ฏ๐—ฒ๐—ฒ๐—ป ๐—ฑ๐—ฒ๐—ฐ๐—น๐—ถ๐—ป๐—ฒ๐—ฑ ๐—ณ๐—ผ๐—ฟ ๐—ฎ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ, ๐˜„๐—ถ๐—น๐—น ๐—ฎ๐—ป๐—ผ๐˜๐—ต๐—ฒ๐—ฟ ๐—น๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ฟ ๐—ฎ๐—ฐ๐—ฐ๐—ฒ๐—ฝ๐˜ ๐—บ๐—ฒ?There are lots of reasons why you may be declined for a...
30/12/2024

๐—œโ€™๐˜ƒ๐—ฒ ๐—ฏ๐—ฒ๐—ฒ๐—ป ๐—ฑ๐—ฒ๐—ฐ๐—น๐—ถ๐—ป๐—ฒ๐—ฑ ๐—ณ๐—ผ๐—ฟ ๐—ฎ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ, ๐˜„๐—ถ๐—น๐—น ๐—ฎ๐—ป๐—ผ๐˜๐—ต๐—ฒ๐—ฟ ๐—น๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ฟ ๐—ฎ๐—ฐ๐—ฐ๐—ฒ๐—ฝ๐˜ ๐—บ๐—ฒ?

There are lots of reasons why you may be declined for a mortgage, but as long as you seek advice, you can get approval next time.

A mortgage declined usually means you donโ€™t meet all the lenderโ€™s criteria. Weโ€™re here to match you up with a lender that has the right product for you.

Find out more: https://firstthoughtfinancial.com/bad-credit-mortgage/why-mortgages-can-be-declined/

๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—ต๐—ผ๐—บ๐—ฒ ๐—บ๐—ฎ๐˜† ๐—ฏ๐—ฒ ๐—ฟ๐—ฒ๐—ฝ๐—ผ๐˜€๐˜€๐—ฒ๐˜€๐˜€๐—ฒ๐—ฑ ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚ ๐—ฑ๐—ผ ๐—ป๐—ผ๐˜ ๐—ธ๐—ฒ๐—ฒ๐—ฝ ๐˜‚๐—ฝ ๐—ฟ๐—ฒ๐—ฝ๐—ฎ๐˜†๐—บ๐—ฒ๐—ป๐˜๐˜€ ๐—ผ๐—ป ๐˜†๐—ผ๐˜‚๐—ฟ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ.

๐—›๐—ผ๐˜„ ๐—บ๐˜‚๐—ฐ๐—ต ๐—ฐ๐—ฎ๐—ป ๐—œ ๐—ฏ๐—ผ๐—ฟ๐—ฟ๐—ผ๐˜„ ๐—ณ๐—ผ๐—ฟ ๐—ฎ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ถ๐—ณ ๐—œ'๐—บ ๐˜€๐—ฒ๐—น๐—ณ-๐—ฒ๐—บ๐—ฝ๐—น๐—ผ๐˜†๐—ฒ๐—ฑ ๐—ฎ๐—ป๐—ฑ ๐—ฎ ๐—ณ๐—ถ๐—ฟ๐˜€๐˜ ๐˜๐—ถ๐—บ๐—ฒ ๐—ฏ๐˜‚๐˜†๐—ฒ๐—ฟ?Very generally you can borrow around fo...
26/12/2024

๐—›๐—ผ๐˜„ ๐—บ๐˜‚๐—ฐ๐—ต ๐—ฐ๐—ฎ๐—ป ๐—œ ๐—ฏ๐—ผ๐—ฟ๐—ฟ๐—ผ๐˜„ ๐—ณ๐—ผ๐—ฟ ๐—ฎ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ถ๐—ณ ๐—œ'๐—บ ๐˜€๐—ฒ๐—น๐—ณ-๐—ฒ๐—บ๐—ฝ๐—น๐—ผ๐˜†๐—ฒ๐—ฑ ๐—ฎ๐—ป๐—ฑ ๐—ฎ ๐—ณ๐—ถ๐—ฟ๐˜€๐˜ ๐˜๐—ถ๐—บ๐—ฒ ๐—ฏ๐˜‚๐˜†๐—ฒ๐—ฟ?

Very generally you can borrow around four and half times your income, but this can vary quite a lot from lender to lender. A good broker will be able to give you precise details and mortgage options.

Find out more about how we can help here https://firstthoughtfinancial.com/mortgages/self-employed-mortgage/self-employed-first-time-buyer/

First Time Buyer mortgages - Getting your application right ๐Ÿ‘ŒAre you thinking about getting onto the property ladder? As...
23/12/2024

First Time Buyer mortgages - Getting your application right ๐Ÿ‘Œ

Are you thinking about getting onto the property ladder? As a First Time Buyer, it can be overwhelming, but once you know the first few steps, you could have your first mortgage without the stress.

Knowing what your credit score is can make a big difference, check your score today with Experian, Equifax or Check My File.

Speak to us today on how we can help you ๐Ÿ’ฌ https://bit.ly/3fsqDMo

Self-Employed and looking for a Mortgage - How can a Mortgage Advisor help with the documentation needed? Mortgage Advis...
16/12/2024

Self-Employed and looking for a Mortgage - How can a Mortgage Advisor help with the documentation needed?

Mortgage Advisors know what documents you will need to have prepared and can guide you through all of the processes. ๐Ÿ“Ž

No matter what type of Self-Employed you are, Sole Trader, Limited Company, partnership or any other type, we have the expertise to be able to find the right mortgage for you.

Speak to one of our experienced advisors to see how they could help you https://bit.ly/3cH6T69

๐—–๐—ฎ๐—ป ๐˜†๐—ผ๐˜‚ ๐—ฟ๐—ฒ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐˜„๐—ถ๐˜๐—ต ๐—ป๐—ผ ๐—ฝ๐—ฟ๐—ผ๐—ผ๐—ณ ๐—ผ๐—ณ ๐—ถ๐—ป๐—ฐ๐—ผ๐—บ๐—ฒ?Yes, but generally this will involve getting a new deal with your current len...
12/12/2024

๐—–๐—ฎ๐—ป ๐˜†๐—ผ๐˜‚ ๐—ฟ๐—ฒ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐˜„๐—ถ๐˜๐—ต ๐—ป๐—ผ ๐—ฝ๐—ฟ๐—ผ๐—ผ๐—ณ ๐—ผ๐—ณ ๐—ถ๐—ป๐—ฐ๐—ผ๐—บ๐—ฒ?

Yes, but generally this will involve getting a new deal with your current lender, also known as a product transfer. Your current lender wonโ€™t require proof of income or credit checks, and often we can negotiate a competitive rate.

Find out more about how we can help here https://firstthoughtfinancial.com/mortgages/self-employed-mortgage/self-employed-remortgage/

Address

First Floor, 112โ€“114 High Street
Rickmansworth
WD31AQ

Opening Hours

Monday 7am - 7pm
Tuesday 7am - 7pm
Wednesday 7am - 7pm
Thursday 7am - 7pm
Friday 7am - 7pm
Saturday 7am - 7pm
Sunday 7am - 5pm

Telephone

+441923606808

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