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Lisa Noonan- The Mortgage Mum

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Lisa Noonan- The Mortgage Mum

Hello,
I am a CeMAP qualified Mortgage Broker. First Home, Dream Home or Forever Home. Fully flexible appointments available.

I am here to simplify mortgages so you come away feeling educated, inspired and confident.

28/08/2023

It's reviews like this that really make me love doing what I do.

I'm here for you every step of the way. I'm on this journey with you and I appreciate every single recommendation...

"We were put at ease from our first meeting with Lisa and it became immediately obvious that she was professional and puts her clients at the centre of what she does. She took time to explain things that we were unsure of and the speed at which she followed up was very efficient. Lisa did what she said she was going to do and did at with a personal, friendly approach. We wouldn't hesitate to recommend her. Thank you Lisa, it has been an absolute pleasure to deal with you and we are very grateful for your help."

If I can help with your upcoming mortgage, please get in touch.

🌐 www.lisanoonanthemortgagemum.co.uk
📱07984876298
📧 [email protected]

25/08/2023

How are you finding the summer holiday juggle?!

Amongst the beautiful chaos, I hope you have managed to find moments of joy and sunshine with your household.

One more week to go and then it's back to school time! Who's ready!?!

23/08/2023

If any of the following criteria apply to you, then you could be the ideal candidate for a remortgage:

🏡 Your fixed rate deal is due to end within the next six months
🏡 You think interest rates will rise
🏡 Your home rises considerably in value
🏡 You’re not allowed to make overpayments
🏡 To borrow more money (i.e. for home improvements)
🏡 You want flexible mortgage benefits

Please get in touch if I can help with your upcoming remortgage.

🌐 www.lisanoonanthemortgagemum.co.uk
📱07984876298
📧 [email protected]

21/08/2023

Quite often, the summer holidays and getaways get people considering having a holiday let.

Running a holiday let can be a good way to generate additional income, but you will need a special type of mortgage.

You need a special type of mortgage for a holiday let, even if you intend to live there yourself for part of the year. Letting your home is a breach of a normal residential mortgage, so you will need to find a specialist holiday let mortgage product. The reason is that lenders believe that letting your home out to the public is more risky than living in it yourself.

You can choose from two kinds of holiday let mortgage, depending on whether you will live in the property and let it for a couple of weeks a year, or your holiday home is let to clients most of the time. You can choose from fixed rate and variable rate deals as with a standard mortgage product.

Find out more about Holiday Let Mortgages on The Mortgage Mum website.

Source: www.themortgagemum.co.uk/holiday-let-mortgage

17/08/2023

Around 140,000 landlords retired in 2022, predominantly these were older investors, who were part of the early buy-to-let mortgages launched in 1996. They leave behind a gap which is at risk of not being filled.

What does this mean for the next generation of landlords?

Currently, there are around one million landlords above the age of 65, with an average of 96,000 landlords turning 65 each year in the UK. With many retiring, there is an opportunity for new landlords to enter the buy-to-let market.

Being a first-time landlord in the UK can seem like a daunting task, but there are many positives to owning a rental property:

1. Steady Income Stream

As a landlord, you’ll receive monthly rental income from your tenants, which can provide you with a reliable source of income. This income can be particularly helpful if you’re looking to supplement your primary income or build wealth over time.

2. Property Appreciation

Property values have been steadily increasing in recent years, and this trend is expected to continue. As a landlord, you’ll be able to benefit by potentially selling your property for a profit down the line. Additionally, property appreciation can increase the value of your rental property and allow you to charge higher rent prices.

3. Control over your Investment

Owning a rental property can give you more control over your investment compared to other options, such as stocks or bonds. You can make decisions about how to manage your property, including setting rent prices, selecting tenants, and developing the property.

From generating a steady income stream to enjoying potential property appreciation, owning a rental property can be a smart investment decision.

If you are in a strong financial position to afford or consider entering the buy-to-let market, becoming a landlord could be a successful investment to make.

However, there are risks involved and it’s important to understand the challenges you may face.

For more information, contact your adviser who can support you with your buy-to-let mortgage.

Source Mortgage Intelligence (Published May 2023)

16/08/2023

New research highlights an ‘alarming link’ between the rising costs of living and declining health across the UK population. The protection industry can have a positive influence, providing the tools to help you manage your health in 2023.

Cost-of-living pressure

The cost-of-living pressure could trigger a global health crisis, with the current economic environment having a considerable impact on the health and wellbeing of the nation. Reports found that 45% of UK adults believe it has become too expensive to stay healthy, with 12% experiencing increased medical expenses. Research also found that 73% of 16–24-year-olds are stressed about the rising cost of staying healthy.

Protection: How it can keep you healthy

Most comprehensive protection plans can help you and your family stay healthy, despite cost-of-living pressure. Most insurance providers throughout the UK offer a variety of services, from nutrition to fitness and everything in between, helping to achieve a healthier lifestyle and reduce the risk of illness.

Additional added-value benefits, such as second medical opinions, health checks and gym membership discounts, can keep you healthy throughout the current economic crisis.

Protection plans can also improve your mental health, so it’s crucial to make the most of the support available to you. Many people don’t utilise their cover, so it’s worth checking the added-value benefits available to you whether you already have a plan or if you are looking for one.

Time to take action

It’s never too late to protect you and your family. The earlier you start looking at the options available to you, the sooner you can work towards building a healthy lifestyle and fight back against the cost-of- living. There’s nothing more important than your physical and mental health, so what are you waiting for?

For more information, contact your adviser who can support you and discuss the options available to you.

If you’d like to discuss the options available to you, contact your adviser today.

Source: Mortgage Intelligence

15/08/2023

I understand the challenges of navigating the turbulent mortgage market in these uncertain times.

Whether you're a first-time buyer, current homeowner, or looking to remortgage within the next 6 months, I'm here to lend a helping hand and ease your concerns. 🤝❤️

Feel free to drop any questions you might have about mortgages, remortgages, or anything related to homeownership. I'm armed with the latest knowledge and resources to guide you through these fluctuations.

Let's work together to find the best solutions for your unique situation. Your financial wellbeing is my top priority, and I'm committed to supporting you every step of the way. 💫✨

🌐 www.lisanoonanthemortgagemum.co.uk
📱 07984876298
📧 [email protected]

10/08/2023

Looking to remortgage your home in the next 6 months? 🏡

It's best to plan ahead for peace of mind!

Getting in touch six months in advance allows me to research and compare rates, ensuring I secure the perfect deal for my clients.

With my guidance, I can confidently navigate the process with you and find a remortgage solution that suits your long term financial goals.

Please get in touch if you require assistance with your upcoming remortgage.

09/08/2023

Approximately 2.2 million people in the UK are on variable rate mortgages, either on a base rate tracker, discounted-rate deal or a standard variable rate (SVR). For those on a tracker, directly following the base rate, payments will soon reflect the full rise. SVR’s change at the lender’s discretion, although most will go up.

Over 6 million mortgages are on fixed-rate loans. For those on a fixed-rate mortgage, the base rate increase won’t affect their deals until they come to the end of their product term.

For some that might be in a few years’ time, for others this could be in the coming months or weeks.

How will it affect my mortgage?

We are well into 2023 and as the squeeze on cost-of-living continues, it may seem like your finances are restricted. If you are one of the 6 million UK homeowners on a fixed- rate mortgage, you won’t have to consider a change until the end of your deal so there is plenty of time to plan ahead. The base rate rise could lead to everyday items becoming cheaper, helping you save a few pennies.

What about new mortgages?

It’s been a challenge for many searching for new fixed-rate mortgages, whether for their first property or replacing a deal. Despite lenders gradually reducing the cost of their fixed-rates, there are best-buy deals available that are cheaper. You may be tempted to wait for rates to fall, but trying to predict interest rates could cause problems.

For more information, contact your adviser who can support you and discuss the options available to you.

Source: Mortgage Intelligence

07/08/2023

I'm out of the office this week visiting family in Ireland.

I will be checking messages and emails when I can. Thank you in advance for understanding that there may be some slight delays in my replies.

I hope you're all having a lovely summer holiday so far.

Lisa x

03/08/2023

There's lots of talk in the press about mortgages at the moment and we know how many might be feeling uncertain about increasing interest rates.

If you are due to remortgage within the next 6 months, please get in touch so that I can help get you the best deal sooner rather than later.

Please book in your appointment with me today and we can get your mortgage sorted and paperwork ready.

🌐 www.lisanoonanthemortgagemum.co.uk
📱07984876298
📧 [email protected]

02/08/2023

Preparing ahead of your remortgage can help streamline the process and potentially save you money.

✨ Firstly, review your current mortgage terms and compare them to the current market rates.

✨ Next, gather all relevant financial documents, such as proof of income, bank statements, and identification, to ensure a smooth application process. This really will save you time if you can have your documentation ready!

✨ Take the opportunity to improve your credit score by paying bills on time and reducing outstanding debts.

✨ Consider seeking advice from a mortgage broker who can offer guidance on available deals and help you navigate the remortgage process.

By taking these steps, you'll be well prepared and in a stronger position to secure a mortgage product that meets your requirements.

Address

Croxley Green
Rickmansworth
WD33PP

Opening Hours

Monday	9am - 9pm
Tuesday	9am - 9pm
Wednesday	9am - 9pm
Thursday	9am - 9pm
Friday	9am - 9pm
Saturday	9am - 9pm
Sunday	9am - 9pm

Telephone

+447984876298

Website

http://www.lisanoonanthemortgagemum.co.uk/

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