Matthew Bdzola Mortgage & Protection Adviser

28/09/2023

Finding your first home can be really daunting. Following these step can really help take the pressure and worry away. Lets help join thousands of others and get on the property ladder.

27/09/2023

It’s a good time to talk to us. We can help you navigate the mortgage market effectively and find the right deal for you.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Approved by The Openwork Partnership on 21/09/2023.

04/07/2023

People often ask – ‘Why should I use a mortgage broker?’. There are many reasons why using a broker will benefit you.
Firstly, mortgage brokers can get access to exclusive rates, a client once told me they didn’t need help as their bank had offered them a mortgage already. After a bit of research, we found them an exclusive deal that was £47 a month cheaper over the 5-year fixed period – that’s a saving of £2,820!
Not only that, but after further checks it turns out his bank wouldn’t have accepted the type of property he was buying which saved us weeks in the process.
It’s also a huge help for those with little time to spare, following the initial consultations, a broker can be very independent, meaning you can spend time on things that matter to you knowing the mortgage is taken care of.
*Your home or property may be repossessed if you do not keep up repayments on your mortgage*

20/06/2023

Need to remortgage but worried about mortgage lenders withdrawing their deals?

The mortgage market may be going through an unpredictable time but help is at hand. We still have access to thousands of mortgage rates and can search an extensive panel of lenders for you, finding deals and options that you may not have even considered.
Talk to an adviser.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Approved by The Openwork Partnership on 12/06/2023.

29/05/2023

Self-employed protection

Being self-employed can be a rewarding and fulfilling career choice, allowing freedom to work to your terms and pursuing passions. However, it also comes with its challenges, one being financial insecurity. Unlike those working within a company, if you’re self-employed you are responsible for your own financial stability. This means taking the necessary steps to protect yourselves from unexpected events.

While it may seem like an added expense, the cost of financial security is a small price to pay for the security it provides. Most of us don’t think twice when it comes to protecting our vehicles or mobiles phones and pets, so why not do the same when it comes to your source of income. Here are some ways you can protect yourself if you’re self-employed:

Income Protection

Being self-employed means your income y is directly tied with your ability to work. This means if you’re unable to work due to illness or injury you could suffer significant loss of pay. Income protection pays out a regular tax-free income, on a short or long-term basis, to cover expenses such as your rent or mortgage, bills and other living costs if you are unable to work.

This valuable insurance could help reduce stress, prevent your family suffering financial hardship, and give you the breathing space to help you get back on your feet when you most need it.

Critical Illness Cover

If you were to be diagnosed with a serious illness such as heart disease, it would have a significant impact on your ability to work. Critical illness cover usually pays out a tax-free lump sum if you’re diagnosed with a serious illness covered by your policy. These usually include, cancers, heart attacks and strokes.

Life Insurance

If you were to pass away unexpectedly, your family could be left in a difficult financial situation. Life insurance pays out either a lump sum or regular payments on your death, giving your dependants financial support after you’re gone. This can help them to cover expenses such as funeral costs, mortgages, bills and provide them with financial security during a difficult time.

If you’d like advice on how to protect your finances, or you’d like to review your protection needs, please get in touch.

Approved by The Openwork Partnership on 18/05/2023.

25/05/2023

Are you stuck in rented?
Take a look to see if this new mortgage opens up the option of buying your first home instead?

21/05/2023

There are lots of mortgage options, but choosing the right one can be complex, time consuming and expensive if you get it wrong. Our experienced advisers can look across an extensive panel of lenders to find the right deal for you.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

15/05/2023

Fixed rate mortgage coming to an end? The right remortgage deal may not be with the same lender. Our experts will find the right option for you, whether you don’t know where to start or think you’ve got yourself covered.

Have a chat with an expert adviser today.

Your house may be repossessed if you don’t keep up repayments on your mortgage.

10/05/2023

First-time buyers without a deposit may soon have a new opportunity to get on the property ladder. We explain everything you need to know about deposit-free mortgages, and which lenders already offer "100% mortgages"

10/05/2023