Jasmine Ward - Mortgage and Protection Adviser

14/02/2024

I've got a busy week this week, specifically working on a lot of bridging enquiries that we have on our desk. 🎉

A bridging loan is short term finance option that you can secure against a property to essentially "bridge a gap".

You might be looking to:

◼Purchase a property, renovate and sell or refinance
◼Time restricted transactions, including auctions
◼Rebridge
◼Business purposes
◼Debt consolidation

If this might be an option that can help you then get in touch with me on [email protected] or give us a call on 01908 92 62 62 and we can quickly identify whether this may be a solution for you

Our mortgage and protection advisor Jasmine walks through Bridging Loans and how they work as an alternative to mortgages.

03/02/2024

Tonight’s set up!

As well as a mortgage adviser I am also in a Band called Friction UK. It’s definitely something different to my day job🎤

30/01/2024

If your income stopped tomorrow then what is your plan B❓

At Moorgate Mortgage brokers we can review your personal protection. Personal protection is a variety of insurances policies to protect you in various circumstances that could occur throughout your life.

This can include income protection, critical illness cover, family income benefit and life insurance.

If any of the following applies to you then get in touch.

🔹Employed or self employed?
🔹Rely on your income to pay your bills & maintain your lifestyle?
🔹Rely on your income to pay your rent/mortgage?
🔹Rely on your income to support your family?

It can take just 10-15 minutes over the phone for me to obtain the relevant information and generate a quote for your protection requirements.

Drop me an email or give the office a call to book in a call. We are flexible and can book you in on evenings or weekends to work around you.

✉[email protected]
☎01908 92 62 62

23/01/2024

Are you a first time buyer looking to buy your first home?🏠

Or perhaps your rate is coming up for renewal for the first time?

It can be intimidating not knowing where to start but if you drop me an email on [email protected] or pop me a message on here and I would love to help.

Remember - no question is a silly one!

I can help you through the whole process and keep in touch during the whole term of your mortgage to help you at every step of your financial journey.



Your home may be repossessed if you do not keep up with the repayments on your mortgage

Send a message to learn more

16/01/2024

✨PRODUCT TRANSFERS✨

Do you have a mortgage that is coming up for renewal in the next 12 months?

Typically you can start reviewing your mortgage 6 months before the end date of your current product.

We can lock in a product for you with the recommended lender and my job is to monitor these rates every month up until completion to ensure you obtain the most competitive rate available to you during that period.

If your rate is due for renewal this year then please get in touch and we can review your existing lender and the whole of the market.

☎01908 92 62 62
✉[email protected]

Your home may be repossessed if you do not keep up repayments on your mortgage

10/01/2024

◼Are you employed or self employed?

◼Do you have any savings behind you?

◼What is the minimum amount you would need each month to pay all your household bills, mortgage payment, rent payment and any other debts you might have in place?

◼How would you cope financially if you weren't able to work long term due to sickness or an accident?

I speak to clients on a daily basis who have a mortgage and other financial commitments that they need to ensure are repaid each month. But what if you have an accident or you are off sick long term, then how are these payments going to be met? What kind of financial strain is this going to put on you and your family?

I love my job and being able to help you purchase that dream home but I also want to be able to make sure you are able to stay in that dream home if you were unable to work long term.

Please get in touch or drop me a message and I would be happy to discuss through your circumstance and what policies are out there to protect your income.

✉ [email protected]
☎01908 92 62 62

Our Mortgages & Protection specialist walks you through Income Protection and how important it can be to your finances.

05/01/2024

Happy Friday!😀

Had a busy first week back catching up with clients after Christmas and speaking to new clients about their rates that are due to come to an end this year.

If your mortgage rate is coming up for renewal this year then please get in touch and I can review the whole of the market for you.

The good news is I have seen a couple more lenders reducing their rates today.

Don't leave your rate renewal until the last minute. Please feel free to drop me a message or an email on [email protected] and I would love to help!

https://www.thisismoney.co.uk/money/mortgageshome/article-12926527/As-lenders-cutting-fall-mortgage-rates-drive-house-prices.html

Mortgage lenders are cutting rates on a daily basis - leading some to predict the sluggish property market could be in for a rebound.

03/01/2024

RATE REDUCTIONS🎉

Great to see some of Halifax rates reduced by up to 0.92%.

If your rate is coming up for renewal this year then get in touch with us at least 6 months prior to review the market and find the most competitive rate for your circumstance.

Don't wait until the last minute to secure a rate as even when we have secured a rate ready for completion, we can still monitor this on your behalf throughout.

Get in touch with me on [email protected] or 01908 92 62 62 and lets explore what options are available to you.

https://www.standard.co.uk/business/mortgage-interest-rates-halifax-prices-bank-of-england-home-loan-borrowing-property-b1129924.html

But some brokers were sceptical of the timing of the cuts

02/01/2024

I hope everyone had a wonderful Christmas break and a great start to the New Year🎉

We have lots of new enquiries coming in for this year and I would love to know how we can help you.

If you have an upcoming mortgage requirement or perhaps a life insurance policy that you would like to review then drop us an email on [email protected] or give the office a call on 01908 92 62 62

27/12/2023

Are you renting and think its about time to find out what you might be able to borrow?🏘

"The cost of renting a property from a private landlord in the UK is rising at the fastest rate since 2006, according to the Office for National Statistics (ONS). Despite the fall in overall inflation and lower house prices, rents increased by 6.2% in the year to November. Renters in Wales experienced the sharpest increase (7.3%), followed by Scotland (6.2%) and then England (6.1%). London saw the highest annual jump in rents, registering a rise of 6.9% in the year to November, while the north-east had the lowest increase (4.7%)”

Source - https://www.theguardian.com/business/2023/dec/20/cost-of-private-renting-in-uk-rising-faster-than-ever-ons #:~:text=Within%20England%2C%20London%20recorded%20the,an%20annual%20increase%20of%209.1%25.

Get in touch on [email protected] and speak to our mortgage specialist to find out what options might be available to you.

Data is sign tenants failing to benefit from fall in inflation and lower house prices

20/12/2023

Not long now until Christmas! 🎅

Whilst I understand looking into your mortgage and protection options might not be at the forefront of your minds this week, it might be something you want to discuss in the new year to start planning how you are going to achieve your goals.

You might be thinking about

♦ Getting that income protection policy sorted that you know you keep meaning to look into

♦Wanting to buy a property but not sure where to start

♦Enquiring about that development project that you've been meaning to talk to a specialist about

♦Reviewing your protection policies that you obtained all those years ago to ensure you are still confident in the cover you have in place

We work with you to help and guide you through all of these options from start to finish.

Contact us anytime with your enquiry on [email protected] or phone the office on 01908 92 62 62 and ask for Jasmine.

15/12/2023

10 days to go until the big day 🎅

Today, we're exploring 𝗕𝗿𝗶𝗱𝗴𝗶𝗻𝗴 𝗟𝗼𝗮𝗻𝘀.

Bridging Loans are a short-term solution that can be used for any purpose until permanent funding becomes available, like from selling a property.

Home buyers, house-builders, barn converters, landlords, property developers and investors can use a Bridging Loan to buy a property, build or develop, or refurbish.

☑️ Quicker access to funds than a conventional loan or mortgage
☑️ Greater flexibility on terms and duration
☑️ Repayable as one lump sum