Above & Beyond Mortgages

21/06/2023

It's been a busy couple of weeks full of completions and my annual compliance audit. Alyx and Ayrton moved to their first home together last week and what a lovely review to leave :)

I feel very humbled with some of the work I do. Recently, I've assisted a couple buying a 2nd home on the coast and another in rearranging their finances so they can enjoy life more. Last week also saw one of my clients purchasing a shared ownership property following a separation,a home she would not have been able to afford without the scheme.

Wishing all that have moved a very Happy New Home.

★★★★★ "Vicky definately lives up to the name above and beyond. Despite us losing out on a couple of properties Vicky reassured us through the whole thing and when the right one came up she delivered. Very professional service and always on hand when needed! Thank you Vicky!"

12/05/2023

Friday Feeling!

Sarah Doherty is local to Leyburn and is again going out of her comfort zone to raise funds for a very worthy charity by running the half marathon this Sunday in Leeds 🏃‍♀️

Above & Beyond Mortgages have made a donation, and if you are able, then please click on the link below 🙏

https://www.justgiving.com/fundraising/Sarah-Doherty32?checkoutMode=Headless&reference=facebook

09/05/2023

CALLING ALL RENTERS!!

I'm not sure how many times I've heard someone say, "I rent, how can I afford to save a deposit at the same time?" but it's a lot and not surprisingly as rents can be as much as a mortgage in the current climate!

Well, here it is, the Skipton Building Society are looking to help those renting, wanting to buy their first home, without any deposit!

I look forward to helping anyone who would like to know more and maybe finally be in a position to buy their first home 🏡

Don't forget your home may be repossessed if mortgage repayments are not kept up to date.

08/02/2023

Yesterday saw not just HSBC but also Virgin Money offering deals sub 4%

Although the Bank of England increased rates again to 4% last week, my inbox keeps receiving emails of rate reductions, and there does appear to be as The Telegraph suggests, a price war between lenders.

Now, more than ever is a really good reason to use a recommended mortgage broker because they should look after you and ensure that you are getting the lowest cost deal for your circumstances, and as we know it can take a while to buy a house so a mortgage broker can keep an eye on the rates on your behalf.

It is also the reason why I reached out last week about remortgages if your deal is due to end in the next 6 months.

https://www.telegraph.co.uk/personal-banking/mortgages/first-mortgage-4pc-since-mini-budget-price-war-heats/?utm_source=facebook&utm_medium=news_tab&fb_news_token=%2BwVCqzpi6Az0uxbDpBr2WQ%3D%3D.hMNiLpFGjGAJVBRyixDMYkv%2FzUt3Xc2xi3kswJldvqE5g%2BGHeiNIvD397B1U03u7l1jgVHkoLoExh7wZn94YODCYRVzpKkUbKopSLMNnFznBloKeXOp5uAwLgdNtUiUaUMaC4qFCMikdB5M5bSj8NB%2BVE0GXKrdTd72OlvUekyv3LmoITVD3qzrZ%2FrIr2tv0vKs4ncjhtjClZYa7mQ8CfR%2B%2Fbgsi%2FJV365gw%2B9SFzNBnxO3GZakKPM9yqTrDs0OSOrchJlMCtk%2BPwPm4Hp7E8cz%2BbLVEj8DJgGqsG%2FscqATwxUVRP2oPLODBHKhqwru9xK3snsmHoqBCnAHhf1KMlg%3D%3D

01/02/2023

Wow, February already!

As time goes by so quickly, here's a little reminder to check your mortgage documents to see when your existing deal ends. If you are a client of mine, then I'll be in touch with you in plenty of time to have a conversation and see what we can do going forward.

Rates are likely to be higher than your existing rate, so for no cost, surely it is worth a conversation, take out the leg work of checking what other lenders have on offer. At times, it does work out to be in your favour to stay with your existing lender, BUT what if you missed a better deal elsewhere?

Some lenders have new rates available 6 months before your existing rate is due to end so don't leave it to the last minute to get in touch ☎️ 📧 🤳

24/12/2022

Sending best wishes to all on the eve of Christmas 🎄 from our home to yours 🎅❤️ 🎅

29/09/2022

ANOTHER HOME MOVER!

Wishing Eliot, Eva and the 2 rebels, a very happy moving day!

Eva and I have had quite a journey over at least the last 6 months BUT the end result was incredible! Securing a 5 year fixed rate at 1.8% for not just their existing mortgage amount, but for the extra they needed too! Outstanding work!!!!

I really appreciate the beautiful flowers and card received as thanks and wish them all the very best in their gorgeous new home! 🏡

16/09/2022

HAPPY MOVING DAY!

Wishing Jordan all the very best in his new home today!

I know you'll have plenty of ratchet straps but I'm also pretty certain you've got great friends that will be helping you too! 🤣

Welcome to the life of being a homeowner 🏡

13/09/2022

Sending a Thank You card out at the same time as a Happy New Home card means only one thing 🤔

Another £50 being sent out to thank someone for referring me to someone they know!

From starting up nearly 2 years ago, over 50% of my business comes from this source and I think it's only right that this is recognised with a reward 💰💰



#£50upforgrabs

19/08/2022

This lovely 2 bedroomed property in Leyburn has just become available under the discounted homes scheme!

You own 100% of the property but you are buying it at a 30% discount, subject to meeting Richmondshire District Council's locality criteria.

Brilliant scheme to help local people get on the housing ladder!

2 bedroom end of terrace house for sale in Oak Close, Leyburn, DL8 for £150,000. Marketed by Norman F. Brown, Leyburn

01/07/2022

Happy 1st July 🌦🌧⛈️☀️🌞

The 1st of any month is special to me as it is the start of another month, new opportunities and a time to reflect. Albeit, where did the last month go nevermind the last 6 months!

However, the 1st of July is always extra special for me because it is the anniversary of my financial services journey and what a journey it's been. Starting 31 years ago today at General Accident as an Admin Assistant to progressing to a Financial Adviser with what became Aviva. I've managed offices and done a stint of paraplanning too all adding to my knowledge along the way.

I'm so proud of how far I've come and being a self employed mortgage and protection specialist hasn't been the easiest transition, but.... I am happy to say I still love what I do and very grateful for my customers and the referrals that are the basis of my business 🙏 THANKYOU!!!!

Here's to many more years, thank you to all involved that support me every day ❤️





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05/05/2022

Highest interest rate in 13 years! WOW! If you haven't heard, interest rates have gone up to 1% 🙄

Just when we are all tightening our belts due to the energy crisis 🤦‍♀️

I'm always happy to help and have a conversation about your current mortgage, insurance policies and credit score but the link below is to a useful website and in particular an article about interest rate rises and how to prepare for them.

Please remember that your home is at risk if you do not keep up your repayments on your mortgage 🙏

https://www.moneyhelper.org.uk/en/homes/buying-a-home/how-to-prepare-for-an-interest-rate-rise