Chris Carvill - Mortgage Adviser

01/08/2024

The Bank of England has reduced interest rates to 5% - its first rate reduction in 4 years. Despite this, mortgage holders are still being urged to ‘check their rate’ and to ‘shop around for the best new deal’.

https://www.moneysavingexpert.com/news/2024/08/base-rate-cut/

As an independent mortgage adviser, I have access to deals from over 90 lenders, including deals not available on the High Street or on comparison websites and to customers directly. As such, I can help you select the best possible deal for you, from the most suitable lender and at the cheapest available rate.

Should you wish to discuss, contact me for a no-obligation chat!

Tel: 07834 857681
Email: [email protected]

It's the first base rate cut in over four years, and will have a knock-on impact on mortgage and savings rates.

31/07/2024

If you wish to buy a home but are struggling to afford a big enough loan, one option might be a Joint Borrower Sole Proprietor mortgage.

Joint Borrower Sole Proprietor mortgages allow up to 4 people to buy a property, therefore increasing the amount of mortgage that can be borrowed. However, you will retain sole ownership!

https://www.money.co.uk/mortgages/guides/joint-borrower-sole-proprietor-mortgages

If you would like to learn more, please contact me for details.

Tel: 07834 857681
Email: [email protected]

If you’re struggling to get onto the property ladder, we look at one way to make getting a mortgage easier without some of the drawbacks of buying jointly.

25/07/2024

Great News – Lenders are reducing mortgage rates!

Nationwide are leading the charge, offering a 5 year fixed mortgage at 3.99%. As competition intensifies between lenders, others are soon expected to follow suit with their own sub 4% rates.

After 2 years of relative turmoil, this move suggests a significant but positive shift in the mortgage market!

https://www.bbc.co.uk/news/articles/c0470j9l8kno

If you have questions about your mortgage, or would like to discuss your mortgage options, please get in touch.

Tel: 07834 857681
Email: [email protected]

Lenders have been lowering their rates ahead of a hoped-for interest rate cut in August.

29/06/2024

It is estimated that 3 million households will see their mortgage repayments increase over the next couple of years!

If you fall into this category, there has never been a more important time to speak to a broker in order to secure the best (cheapest) new deal.

https://news.sky.com/story/amp/mortgage-repayments-set-to-rise-for-three-million-households-says-bank-of-england-13159972

Contact me to discover the best mortgage rates available. Don’t just accept the first deal offered to you by your current lender without first having that conversation!

Tel: 07834 857581
Email: [email protected]

About 400,000 homeowners can expect to pay more than 50% on their mortgages, according to the central bank's financial stability report.

27/06/2024

A week today, the UK heads to the polls.

But how might party policies impact housing and mortgages? Check out the guide below…

https://hubs.la/Q02DxkGq0

If you have any questions or would like to discuss your mortgage options, find my details below.

Tel: 07834 857681
Email: [email protected]

Here's everything you need to know about the coming general election and how it might impact housing and mortgages. From Labour and Conservative policies to making the right choices for your mortgage.

25/06/2024

For those homeowners nearing the end of their current mortgage deal, is now the right time to consider a tracker mortgage as opposed to another fixed rate deal?

A tracker mortgage is a variable rate mortgage which tracks the Bank of England base rate. So any reduction in the base rate will potentially mean lower monthly repayments. But beware – the base rate could also go up, meaning higher repayments!

https://inews.co.uk/inews-lifestyle/money/property-and-mortgages/mortgage-deal-ending-tracker-3125614

If you would like to discuss and assess your tracker mortgage options, feel free to get in touch.

Tel: 07834 857681
Email: [email protected]

Interest rates could fall as soon as August, which would be good news for those with tracker mortgages

21/06/2024

In 2023, a record number of people took out an Income Protection Insurance policy. But what is Income Protection Insurance, and why might you need it?

This article introduces Income Protection and clears up the common myths.

https://www.which.co.uk/news/article/9-myths-about-income-protection-busted-a8nni1B7wFgR

If you want to explore your Income Protection Insurance options, please do not hesitate to contact me. For those of you on a budget, there are low-cost options available.

Tel. 07834 857681
Email. [email protected]

A record number of individuals took out income protection insurance last year

17/06/2024

If your mortgage deal is coming to an end, you should consider remortgaging – to avoid paying more on your lenders Standard Variable Rate (SVR).

However, there are other reasons why people may choose to remortgage, as this article from Money Saving Expert explains.

https://www.moneysavingexpert.com/mortgages/why-remortgage/

To discuss your remortgage options, contact me today for a free consultation. You may be much better off switching to a new lender, than sticking with your current one. And can save yourself many £’s in the process.

Tel. 07834 857681
Email. [email protected]

Remortgaging is a great way to save £1,000s a year. This Money Saving Expert guide tells you why & when you should remortgage, and why you shouldn't.

14/06/2024

Research shows that more than £366 billion is languishing in UK current and savings accounts earning returns of 1% or less.

If you fall into this category, it is time to speak to a financial adviser! The advisers at Oakwood Capital will be able to assess your current situation and review the best investment options to get your money working harder.

If you would like to speak with a financial adviser, contact me for a free of charge appointment.

Tel: 07834857681
Email: [email protected]

At Oakwood Capital Wealth Management Ltd we understand that trusting someone with all areas of their finance is not something to be taken lightly.That’s why we work with you to make it as easy as p...

07/06/2024

The first of our player sponsors for today is Chris Carvill Mortgage Adviser - the proud sponsors of Third XI Captain Mikey Phillips. Based in the village, Chris has a wealth of experience in the financial services industry - why not arrange a free, no obligation appointment

06/06/2024

Is your dream to retire at 55? Are your pensions doing enough to make that possible?

The advisers at Oakwood Capital Wealth Management can help you to make the most from your money. As part of their service, they will undertake a free review of your pensions and provide future pension projections. This is the first step to realising your early retirement dream!

If you would like to speak with a financial adviser, contact me for a free of charge appointment.

Tel: 07834857681
Email: [email protected]

At Oakwood Capital Wealth Management Ltd we understand that trusting someone with all areas of their finance is not something to be taken lightly.That’s why we work with you to make it as easy as p...

19/05/2024

Our final player to reach 50 yesterday was the second of our skippers - Mikey Phillips, who is sponsored by Chris Carvill - Mortgage Adviser. Mikey saw his side over the line in their win at Bitteswell