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Monday 9am - 5:30pm Tuesday 9am - 5pm Wednesday 9am - 5:30pm Thursday 9am - 5:30pm Friday 9am - 5:30pm

Tracy Kavanagh at The Mortgage Store

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Tracy Kavanagh at The Mortgage Store

Professional Mortgage Advice Services. Tracy Kavanagh BA (Hons.) CeMAP

Equity Release Council Registered in England. FCA Number 219782.

The Mortgage Store is an Appointed Representative of Mortgage Intelligence which is authorised and regulated by the Financial Conduct Authority under 305330 in respect of mortgage, insurance and consumer credit mediation activities only. Registered Address 4 Beaconsfield Road, St Albans AL1 3RD.
01727 837437. Local Office: Tring

There will be a fee for the advice given, the exact amount will depe

nd on your circumstances, but we estimate it will be £595 for Mortgages and £1,295 for Equity Release cases. Your home may be repossessed if you do not keep up repayments on your mortgage.

02/10/2023

𝗜 𝗮𝗺 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁𝗲𝗱 𝗶𝗻 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗶𝗻 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆, 𝗯𝘂𝘁 𝘄𝗶𝗹𝗹 𝗯𝗲𝗶𝗻𝗴 𝘀𝗲𝗹𝗳-𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗱 𝗵𝗶𝗻𝗱𝗲𝗿 𝗺𝗲?

In a word...no.

At The Mortgage Store, we can offer a wealth of experienced advice to first time and experienced landlords alike.

Our goal is to not only help you achieve a competitive Buy to Let mortgage that suits your circumstances, but to maximise your long term investment potential.

Contact us to see how we can help you https://bit.ly/3shFGys

𝗬𝗼𝘂𝗿 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗺𝗮𝘆 𝗯𝗲 𝗿𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀. 𝗧𝗵𝗲 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗖𝗼𝗻𝗱𝘂𝗰𝘁 𝗔𝘂𝘁𝗵𝗼𝗿𝗶𝘁𝘆 𝗱𝗼𝗲𝘀 𝗻𝗼𝘁 𝗿𝗲𝗴𝘂𝗹𝗮𝘁𝗲 𝘀𝗼𝗺𝗲 𝗕𝘂𝘆 𝘁𝗼 𝗟𝗲𝘁 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲𝘀.

04/08/2023

What is a ‘Green mortgage’ and how does it benefit you as a buyer?

Typically, to be classed as a Green property, your property must have a current EPC rating of A, B, or C.

If you have a ‘Green property’ there are many lenders now who will offer preferential rates, often with lower upfront fees when applying for your mortgage.

Not only that, but there is also a lender who now offers ‘Green Further Advances’ with rates as low as 0% interest to help improve the energy efficiency of your home*
Having a more energy efficient home could mean your utility bills could be much lower than a property that is less energy efficient.

If you would like to find out more about ‘Green mortgages’ or ‘Green Further Advances,’ get in touch!

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

*https://www.financialreporter.co.uk/nationwide-launches-0-green-mortgage-product.html

02/02/2023

Bank of England increases Base Rate to 4%

22/09/2022

Bank of England raises interest rate to 2.25%. Highest since 2008.

09/09/2022

Next Bank of England interest rate announcement is 22nd September 2022.

05/05/2022

The Bank of England also warns that the UK economy is set to shrink next year as the cost of living rises.

08/03/2022

The use of spray foam insulation could make around 250,000 homes unmortgageable or ineligible for equity release and surveyors should recommend its removal, say trade bodies.

22/11/2021

Over 55 and considering a LIFETIME MORTGAGE or wish to know more about them? The retirement mortgage market is booming with significant opportunities. I can help. Take advice from a specialist. Contact me for more information.

19/11/2021

𝗜𝗳 𝗜 𝗺𝗼𝘃𝗲 𝗵𝗼𝗺𝗲, 𝗰𝗮𝗻 𝗜 𝘁𝗮𝗸𝗲 𝗺𝘆 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝘄𝗶𝘁𝗵 𝗺𝗲?📦

Most lenders are able to transfer your mortgage o the new property for you, which is called porting. 👍

There are some cases where mortgages are not portable. Although this is rare, it is a possibility, in which case your only option when moving home is to apply for a remortgage.

Contact The Mortgage Store today to see if porting is the right option for you

https://bit.ly/3aIcXtX

03/11/2021

Lee Hopley, director, economic insight and research, UK Finance said there is no certainty of an interest rate rise tomorrow up from its record of 0.1 per cent, speaking at today’s Mortgage and Protection Event in Salford.

09/07/2021

𝗜𝗳 𝗜’𝘃𝗲 𝗼𝗻𝗹𝘆 𝗵𝗮𝗱 𝗺𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗳𝗼𝗿 𝟭 𝘆𝗲𝗮𝗿, 𝘄𝗶𝗹𝗹 𝗜 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗼𝗳𝗳𝗲𝗿 𝗮 𝗹𝗮𝗿𝗴𝗲𝗿 𝗱𝗲𝗽𝗼𝘀𝗶𝘁?📈

Whilst there is no minimum deposit set in stone for Self-Employed applicants or shorter trading history, officially you won’t. However, offering above the minimum deposit amount will increase your chances of obtaining a mortgage.

💁For more advice, speak to our team https://bit.ly/35yK8gk?utm_source=fb_page&utm_medium=organic_social&utm_campaign=publer

25/06/2021

I’ve only been Self-Employed for a year, can I apply for the help to buy scheme?💁

Yes, it’s possible, although whether you’re accepted depends on your further circumstances, such as income and credit score. You’ll also only be able to access the scheme as a First Time Buyer.⚖️

If you only have one year of accounts, speak to us for guidance about which lenders to approach https://bit.ly/35yK8gk?utm_source=fb_page&utm_medium=organic_social&utm_campaign=publer

Address

Fountain Court, 2 Victoria Square, St. Albans. Local Office
Tring
AL13TF

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5:30pm

Website

https://www.the-mortgagestore.co.uk/

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