Fady Mohareb Cemap - Mortgages & Protection

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Fady Mohareb Cemap - Mortgages & Protection

"Empowering your finances: Mortgages, Protection, Pensions, Investments. Get smart with money. ��"

17/01/2024

*5 year fixed rate mortgages now under 4%!* 😱🏡👊🙌

🚨 Check your rate, now! If it's more than 4% and your mortgage rate is due to expire soon, it's worth looking now to see if you can save.

*1.5 million people in the UK have their mortgage rate ending at some point in 2024!*

🏡 👨Martin Lewis says;

*Use a mortgage broker to find the best deal for you.* Even if you've got a great credit history and you have minimised outgoings, lenders' acceptance criteria differ, meaning not all will accept you.

So find a good broker to help, as they've details of most lenders' criteria which aren't usually available to the public, and they can match you to a top deal.

Plus there are sometimes top deals which are only accessible through brokers.

💭 *Example:* my mortgage rate expires in 12 months time (January 2025) - I have started to look now and do some calculations on the best route forward.

I could wait out and hope rates either stay the same or drop between now and August which is when I would be able to secure a rate in advance ahead of my rate ending.

*Or,* I could break my current deal, pay a 1% early repayment charge on the outstanding balance (which you can add onto your mortgage so you don't actually have to pay this up front from savings etc), and fix my mortgage now for the next 5 years. I would be doing this so if rates do start to go back up, I'm safe and have that mortgage rate under 4% for the next 5 years. (I'm even contemplating a 10 year fix rate that I've seen for just 3.89%!)

Everyone's circumstances are different and when it comes to your mortgage, it's not a 'one size fits all'.

It's important to talk to a mortgage advisor to get that advice.

As a whole of market mortgage advisor/broker, drop me a message so I can help 🏡

12/01/2024

🏡 Equity release is a financial product that allows homeowners, typically retirees, to access the value tied up in their property. It can provide a source of income or a lump sum payment to help with retirement expenses or other financial needs.

With the rising cost of living and increasing life expectancy, equity release has become a popular option for older homeowners. It is important to carefully consider the implications and seek expert advice before making any decisions.

We can chat over Microsoft Teams, over the phone or in-person ➡️

Other ways to get in touch 👇
📲 Send us a message
☎️ 01633 987 070
✉️ [email protected]
💬 07596457233
🤝 The Money Partnership

09/01/2024

🏠 If you have specific needs, it may be worth considering a specialist mortgage. Specialist mortgages are designed for individuals who may not fit the traditional lending criteria, such as self-employed individuals or those with a unique financial situation.

These mortgages offer tailored solutions to meet your specific requirements. By working with a specialist mortgage advisor, you can explore the options available to you and find the best mortgage product that suits your needs.

We can chat over Microsoft Teams, over the phone or in-person ➡️

Other ways to get in touch 👇
📲 Send us a message
☎️ 01633 987 070
✉️ [email protected]
💬 07596457233
🤝 The Money Partnership

08/01/2024

📉 *Natwest has becoming the latest lender to cut its mortgage rates following a flurry of reductions this week.*

2️⃣0️⃣2️⃣4️⃣ has started with some positive news that mortgage rates have slightly eased, although still remaining higher than what we've become accustomed to since 2008.

🔴 Many lenders have been slashing rates since the turn of the new year and today Natwest have followed suit. Rates have reduced up to 0.52% for both new and existing customers with their headline rate for a purchase at 4.19% 🙌

🏡 As the housing market has slowed since the end of 2022 and property values/prices have in turn reduced too, this helps home movers and first time buyers to start the process of moving into their dream home in 2024.

Any questions or help let me know 🏡

01/01/2024

Happy New Year! 🎉 As we welcome the new year, we are filled with anticipation and excitement for the opportunities it brings.

It's a time to reflect on the past year's achievements and set new goals for the year ahead. We are grateful for the support and trust you have shown us throughout the years, and we look forward to continuing to serve you with excellence.

Wishing you a prosperous and successful year ahead!

20/12/2023

If you're going through a divorce and wondering about your mortgage capacity, we can help.

Our experts can assess your financial situation and provide you with a comprehensive report on how much you can afford for a mortgage.

We understand the complexities of divorce and can guide you through the process, ensuring that you have all the information you need to make informed decisions.

We can chat over Microsoft Teams, over the phone or in-person ➡️ https://buff.ly/3QPGxTN

Other ways to get in touch 👇
📲 Send us a message
☎️ 01633 987 070
✉️ [email protected]
💬 07596 457233

🤝 The Money Partnership

15/12/2023

Yes, family members can gift equity for a house deposit. This can be a great option for individuals who may not have enough savings or are looking for additional financial support.

Gifting equity means that a family member can transfer ownership of a portion of their property to the buyer, which can then be used as a deposit for the new house.

It's important to consult with a legal professional and ensure that all necessary paperwork and agreements are in place to properly document the gift.

We can chat over Microsoft Teams, over the phone or in-person ➡️ https://buff.ly/3QPGxTN

Other ways to get in touch 👇
📲 Send us a message
☎️ 01633 987 070
✉️ [email protected]
💬 07596 457233

🤝 The Money Partnership

12/12/2023

🚨 *Mortgage rates at their lowest for 6 months!* 🏡

Average interest rates on 2 year and 5 year fixed rates across all loan to value tiers have hit their lowest level in 6 months!

They have now fallen for the 4th month in a row! 🙌

From just last month to today, the average 2 year rate feel from 6.04% to 5.65% 📉

However, the average standard variable rate (S.V.R) is still quite high at 8.19% - the highest level on record since 2007 😱

On thr reverse, the average tracker rate rose month-on-month and sits around 6.16%.

If you need help with a remortgage, purchase, want to consolidate some debt or anything else mortgage-related, get in touch 🏡

09/12/2023

💳 You may be able to consolidate your debt onto your home in the UK through remortgaging or applying for additional borrowing through your existing lender.

This involves refinancing your existing mortgage to release some of the equity in your home, which can then be used to pay off your debts. It's important to carefully consider the implications and seek professional advice before making any decisions.

We can chat over Microsoft Teams, over the phone or in-person ➡️ https://buff.ly/3QPGxTN

Other ways to get in touch 👇
📲 Send us a message
☎️ 01633 987 070
✉️ [email protected]
💬 07596 457233

🤝 The Money Partnership

05/12/2023

🏡 Renting out your property in the UK can be a lucrative opportunity. With the demand for rental properties constantly on the rise, you can benefit from a steady stream of income.

However, it's important to be aware of the legal and financial obligations that come with being a landlord. Make sure you research the local regulations and consider working with a reputable letting agent to handle tenant screening and property management.

"

We can chat over Microsoft Teams, over the phone or in-person ➡️ https://buff.ly/3QPGxTN

Other ways to get in touch 👇
📲 Send us a message
☎️ 01633 987 070
✉️ [email protected]
💬 07596457233

🤝 The Money Partnership

02/12/2023

🏡 Looking to fulfil your dream of becoming a homeowner? Look no further!

Our team of highly skilled and experienced Mortgage Advisors are ready to assist you in obtaining a competitive mortgage for you. Whether you're searching for a cosy apartment, a spacious family house, or a luxurious villa, we can help.

With our expertise, we will guide you through the entire process. Let's make your dream of owning a home a reality. # Mortgage

We can chat over Microsoft Teams, over the phone or in-person ➡️ https://buff.ly/3QPGxTN

Other ways to get in touch 👇
📲 Send us a message
☎️ 01633 987 070
✉️ [email protected]
💬 07596457233

🤝 The Money Partnership

28/11/2023

Is your fixed rate is coming to an end?

It's important to review your financial options and consider what steps you need to take next. Take the time to research different rates and terms to ensure you are getting the best deal possible.

Don't hesitate to reach out to a financial advisor for guidance. hashtag hashtag

You can chat with an advisor from The Money Partnership over Microsoft Teams, over the phone or in-person ➡️ https://buff.ly/3QPGxTN

Other ways to get in touch 👇
📲 Send a message
☎️ 01633 987 070
✉️ [email protected]
💬 07596 457233

🤝 The Money Partnership

Address

59 Commercial Street
Risca
NP116AW

Telephone

+447596457233

Website

http://www.themoneypartnership.com/

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