Chantal Shepherd Mortgage and Protection Advisor

06/10/2021

👇🏼👇🏼👇🏼👇🏼

How much (mortgage) can you borrow???💷💷

I have been comparing the same Lenders using exactly the same scenario.

Scenario:
- Joint First time buyers at 90% LTV
- no dependents.
- Clients have a student loan and credit card debts.
- Incomes of £28,000 and £25000 + car allowance £500pcm respectively (wishing to borrow £225,000).

Nationwide £265k
Halifax £264,910
Skipton - £264,750
Coventry £265,000
The Nottingham Building Society £265,500
Kensington £265,500
Leeds Building Society £265,500
Accord £264,910
Virgin Money £295,000
Platform £264,910
Tipton and Coseley £264,900
Santander £262,550
NatWest £250,700
Barclays £237,500

Every lender has a different method of calculating "affordability" and in another scenario, Halifax and Natwest could very easily be top.

Imagine 10 different puzzles, the outcome, a beautiful picture (house) its the same, however, the pieces make up your scenario, in 10 puzzles the pieces will not be the same and won’t make the same picture.

The benefit of being a whole of market Mortgage broker is having industry knowledge to get you the most you can borrow (if you need it) on the most suitable mortgage at the most cost-effective interest rate.

**Your Home Maybe Repossessed If You Do Not Keep Up Payments On Your Mortgage**

Message me to see how much you 👆🏼could borrow 🤑

I am a highly motivated individual and extremely passionate about my role as a Mortgage Adviser. I enjoy assisting my clients with their financial goals and securing the best mortgage and protection products that will suit their requirements and budget.

18/03/2021

❗️❗️Announcement ❗️❗️

9️⃣5️⃣% mortgages are back!!

Products have been launched today exclusively to mortgage brokers.

If you have a 5% deposit and would like a free mortgage review to see what you can borrow get in touch! Don’t miss out! avoid the mad rush!! 🏠🏠🔑🔑

01/11/2020

Here we are, the 1st November and Day 1 of knowing we are going to be locked down for 4 weeks! 😬
Now is the perfect time to switch your utility services and SAVE MONEY on your bills. You can save a huge amount of money on your electricity from all of the Christmas Shopping you will be doing online 🛍 🎅 🎄
Utility Warehouse have won several Which? Awards this year and we are the best Utility Provider ⭐️ Why??
- Our customer service is the best
- We are the greenest Company on the market with various green initiatives 🌳
- We offer quality services at sustainable prices
- We value our customers and loyalty is important to us
- We provide cashback on all of your spending that reduces your electricity bill, whether it’s food shopping 🛍 Fuel ⛽️ DIY 🔨 🏡 Xmas gifts 🎁
- We keep it simple.. 1 App, 1 Bill & 1 password for everything 😃
- We help you make moving home simple by transferring everything seamlessly taking the headache out of contacting various providers.

19/08/2020

⚠️‼️this 👇🏼👇🏼 please get in touch for a quote ‼️

08/07/2020

Great news 🤗 this could save you thousands.
This also applies for reductions on stamp duty for 2nd home and Limited company purchases.
If you are looking for any advice please get in touch 💖

Homebuyers won't pay stamp duty on the first £500,000 of a property's purchase price, in a temporary measure announced by the Chancellor today

08/07/2020

https://www.moneysavingexpert.com/news/2020/07/sunak-stamp-duty-announcement-/

Great news 🤗 this could save you thousands.
This also applies for reductions on stamp duty for 2nd home and Limited company purchases.
If you are looking for any advice please get in touch 💖

Homebuyers won't pay stamp duty on the first £500,000 of a property's purchase price, in a temporary measure announced by the Chancellor today