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Your Mortgage Solutions

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Your Mortgage Solutions

📍 Rugeley, Staffordshire
🏡 Mortgages
❤️ Life & business insurance
🤝 Wills & Estate Planning

We offer friendly face to face, no jargon, mortgage advice with advanced technology giving our clients the potential of saving money and the security of sound professional mortgage advice.

28/11/2023

In order to save money on heating and stay warm this Autumn and Winter, it’s important that you take steps to reduce the heat loss from your home.

Today's top tip is to OPEN YOUR CURTAINS DURING THE DAY.

We get precious little sun during the Winter months. But, what little sun we do get can help to heat up your home without increasing your energy bills.

Make sure you open those curtains in the morning to let the light and the heat in. It’s an efficient and totally free way to get some more heat in your house.

Credit: Carnegie Fuels

24/11/2023

Is your Christmas tree up yet?

Or are you a "wait til December" kinda person?

Here at YMS, we are starting to feel very festive and are getting into the Christmas spirit!

18/11/2023

Have you been saying, “my fixed rate doesn't end until next year”?

Well, in the blink of an eye, it’s now November.

If your rate ends before May 2024, now is the time to review your mortgage.

Call us on 01889 583399 and speak to a mortgage adviser today

14/11/2023

In order to save money on heating and stay warm this Autumn and Winter, it’s important that you take steps to reduce the heat loss from your home.

Today's top tip is to DRAUGHT PROOF YOUR HOME.

All those little holes letting air into your home are making a big difference to the warmth of your house and your energy bills. So, it’s time to cover them all up.

You can do this on the cheap by using gaffer tape to seal cracks in floors and walls and cracks around windows, while the bottoms of doors can be blocked with old clothes or towels. Or you can go all out and buy draught-excluders to plug any gaps.

It’s estimated that this could save you around £20/year on energy bills, and help you better control the temperature of your home.

Credit: Carnegie Fuels

09/11/2023

Overwhelmed by your finances?

Firstly, this is normal, you are definitely not alone. With Christmas quickly approaching, it can seem like such a daunting task.

Here are our top tips to dealing with this:

1. Talk to someone - seek professional advice and/or open up to your family & friends.
2. Take inventory of your finances - write down every source of income and keep track of ALL your spending.
3. Make a plan and stick to it - identify the problem, devise a solution, put your plan into action
4. Create a monthly budget - keep yourself on track and regain your sense of control
5. Manage your overall stress - this will help you to focus more.

We can help you too. Contact us today for a free review of your mortgage.

05/11/2023

Self-care Sunday! ❤

During Autumn and Winter, there are lots of ways that you can build in some self-care.

How about organising your winter clothes? Maybe you could sell some of your old clothes to make a few pennies, or you could donate them to charity or a homeless shelter. Otherwise, just store them away for next Summer, keeping your wardrobe clutter-free.

What better way to feel productive?

31/10/2023

In order to save money on heating and stay warm this Autumn and Winter, it’s important that you take steps to reduce the heat loss from your home.

Today's top tip is to INSULATE YOUR HOME.

It’s important that once heat is created, you don’t lose it. And a lack of insulation could lead to a loss of heat. For example, it’s estimated that approximately 25% of heat can be lost through the roof in an uninsulated home.

There are a few places that you can look at insulating:

💡 Wall insulation
💡 Floor insulation
💡 Roof and loft insulation
💡 Insulating pipes and tanks

Insulation is an investment, but it will pay for itself many times over.

Credit: Carnegie Fuels

27/10/2023

Witching you a Happy Halloween weekend, let's hope it's spook-tacular!

Remember, if your mortgage rates are scary, give us a call on 01889 583399, and we will help you to frighten them away!

21/10/2023

❌ Has your bank declined your mortgage application? ❌

We can help! At YMS, we are experts in all mortgages – no matter how unique – and we work with a wide variety of lenders who we can approach on your behalf.

When you apply for a mortgage, the lender will assess your application according to their criteria. Each lender has their own criteria, so there might be some things that would cause your application to be declined by one, but not by another.

These are some of the common reasons for being refused a mortgage:

❌ You’ve missed or made late payments recently
❌ You’ve had a default or a CCJ in the past six years
❌ You’re not registered to vote on the electoral roll
❌ The lender has calculated you won’t be able to make the repayments
❌ You’re self-employed or are a contract worker and can’t prove you have consistent income

Contact us on 01889 583399 today, and we will help you through each stage of the process for a smooth, stress-free experience.

17/10/2023

In order to save money on heating and stay warm this Autumn and Winter, it’s important that you take steps to reduce the heat loss from your home.

Today's top tip is to REARRANGE YOUR FURNITURE.

It might sound obvious, but directly blocking your radiators with furniture will trap in heat, and prevent it from making the room nice and toasty.

If you can, move your furniture clear from the radiators, and let the heat radiate out into the room. This will help increase the heat in your home without having to turn up the thermostat.

Credit: Carnegie Fuels

12/10/2023

Seasonal affective disorder (SAD) is a type of depression that comes and goes in a seasonal pattern.

Symptoms of SAD can include:

😔 A persistent low mood
😔 A loss of pleasure or interest in normal everyday activities
😔 Sleeping for longer than normal and finding it hard to get up in the morning

For some people, these symptoms can be severe and have a significant impact on their day-to-day activities.

There are several treatments, including:

😌 Lamp therapy
😌 Relaxation techniques
😌 Getting outside

You should consider seeing the GP if you think you might have SAD, and you're struggling to cope.

Credit: nhs.uk

03/10/2023

There are loads of things you can do to help keep your home warm, while reducing the overall cost of your energy bills.

Some of them might seem small. And they are. But every single one of them will help contribute to the overall heat retention of your home, and ultimately will reduce your heating bills this Winter.

In order to save money on heating and stay warm this Autumn and Winter, it’s important that you take steps to reduce the heat loss from your home.

Today's top tip is to TURN THE THERMOSTAT DOWN.

Every single degree you lower your thermostat could save you several pounds per week. Turning your heating down as little as one degree can help save as much as £55 a year.

Experts recommend 18C as an ambient level, rather than a costly 20C or 25C. So give it a try turning it down a bit, even by a degree or two, especially when you’re in the house all day.

Credit: Carnegie Fuels

Address

Venture Point Offices, Wheelhouse Road
Rugeley
WS151UZ

Opening Hours

Monday	10am - 5pm
Tuesday	10am - 5pm
Wednesday	10am - 5pm
Thursday	10am - 5pm
Friday	10am - 5pm

Website

http://www.yourmortgagesolutions.org/

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