Mark Grayshan Mortgage and Insurance

16/04/2025

Good to see some positive news on the mortgage market with an increase in the number of products available for people with a small deposit.
Research from Moneyfacts shows that the number of available products for those looking for a 90% or 95% mortgage is at its highest for 17 years.
For those looking for a 95% mortgage there are 442 deal available and for those seeking 90% there are 845 products. To have such a big choice is excellent and rates are coming down too, with the average two-year fixed mortgage rate for borrowers with a 5% deposit now 5.81%, the lowest for more than two years
All great news for those looking for a small deposit mortgage, which includes first-time buyers. Anything that helps people to get a mortgage and to get the market moving is very welcome indeed. If you would like to discuss mortgages or insurance, please contact me on 07767 692653.

05/03/2025

It’s spring and a time of year when some people are looking to move home whilst others might be thinking about some home improvements.
If that is you, then you will be looking at how to fund your dreams…
If you are looking to buy your first property or move to a new one, then a mortgage is the answer.
If you are wanting to fund some home improvements, then there are various ways to do it.
If your current mortgage is coming to an end, you can take out a new one and add on some extra borrowing for those improvements.
If your mortgage has some time to run, you can seek a further advance with your current lender to fund the work. Alternatively, you can take out what is called a second charge loan, with a different lender, to pay for your home improvements. Then when your current mortgage deal ends, you can put the two together in a new remortgage.
If a house move or some home improvements are in your thoughts this spring or you want to talk about insurance, give me a call on 07767 692653.

20/02/2025

In uncertain times, it is reassuring to know that, whatever happens, the things that you care about, like your family and your home, are kept safe.
I work with a lot of different products that give people the peace of mind that whatever life throws at them, the things that they hold dear are looked after.
Take life insurance, for example. For the cost of a couple of your favourite high street coffees each week, you can take out a life insurance policy that looks after your loved ones, financially, should the worst thing happen.
I am always amazed by the number of people who don’t have life insurance, especially when it is quite cheap and you can guarantee the monthly premiums so they don’t go up in price.
There are different types. The simplest is level-term life insurance where the amount of cover remains the same throughout the term of the policy. You can insure yourself and/or your partner for a set amount and it only pays out if one of you dies within the term of the policy – the higher the amount of cover and longer the term, the more the policy costs. Then there is decreasing term life insurance which is there to primarily protect your mortgage and is generally set up for the same amount and the same term as your mortgage. As your mortgage amount decreases, then the amount on the decreasing term life insurance policy decreases, in line with your mortgage. There are also other policies that will pay out whenever you die, rather than just within a fixed period.
If you would like to discuss this or any insurance or mortgage issue, please get in touch on 07767 692 653.

13/02/2025

Some excellent news on the house-buying front, with Santander and Barclays becoming the first lenders in 2025 to launch residential mortgage products with a rate below 4% for buyers with a 40% deposit.
This is great news for anyone looking to buy their first property, move house or those whose current mortgage deals are coming to an end.
It follows the Bank of England’s decision to reduce the base rate to 4.5%, the lowest it has been since June 2023.
If you are looking for a mortgage why not get in touch and we’ll look at the options available. For any mortgage or insurance advice, give me a call on 07767 692 653.

07/02/2025

Yesterday's reduction in the Bank of England base rate will hopefully spell good news for mortgages.
If you are buying your first home, moving house or coming to the end of your current mortgage deal, please get in touch and we can look at what options there are...
Call me on 07767 692 653

16/01/2025

The start of a new year is the perfect time to take stock and in particular to have a look at your insurance policies to see if they are up to date and providing you with the cover you need...
Things change from one year to the next and it is well worth a review.
If you want to discuss any insurance or mortgage matters please get in touch on 07767 692 653
or by email at [email protected]

20/12/2024

I look forward to giving you mortgage and insurance advice in 2025...
and wish you all a very Happy Christmas and a Happy New Year!

07/11/2024

Some good news today, with the drop in the Bank of England base rate, which should bring mortgage rates down too.
If you are house-hunting or coming to the end of your current mortgage deal, now is as good a time as any to sit down and talk over your options.
Call me on 07767 692653 and we'll find the right mortgage for you.

25/09/2024

Some good news for house-hunters from Nationwide UK - especially those looking to get their foot on the housing ladder for the first time...
For advice on this or any other mortgage or insurance issue, please call me on 07767 692 653.
https://loom.ly/4QE3G-s

Exciting news at last for house hunters – especially first-time buyers!The Nationwide has extended their Helping Hand mortgage, which lets buyers borrow up to six times their income, to buyers with only a 5% deposit! They are the first major high street lender to offer this to first-time buyers. T...

20/09/2024

Explaining why getting insurance cover for your mortgage could be the best decision you ever make...
Can we help with any insurance or mortgage questions?
Call me on 07767 692653 - thank you!

09/08/2024

Some good news as the Bank of England base rate cut is followed by a drop in mortgate interest rates...

28/06/2024

There is a lot of news about many people facing an increase in their mortgage as they come to the end of a fixed-rate deal taken out when interest rates were low - many below 3%.
So what should you do?
Well, there are options but doing nothing isn’t one of them!
Call me to find the best solution for you on 07767 692 653.