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Apple Financial Solutions

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Upminster
Apple Financial Solutions

Apple Financial Solutions are an independent mortgage and protection company based in Upminster with

To Apple Financial Solutions you’re not just a client, you’re a partner. We work with you to understand your circumstances in order to find the right solution for you. We provide the following services:

Mortgages
-First time buyer mortgages
-Remortgaging
-Buy-to-let
-Commercial mortgages (we will refer you to our specialist partner)

Protection
-Contents insurance
-Building insurance
-Life insur

ance
-Critical illness insurance
-Income protection

If you are interested in finding out more about any of the above services and how we can help please visit
www.applefinancial.org or call 01708 641155.

21/08/2023

Switching your mortgage needn't cost you anything, and the savings to be had based on a lenders standard rate could be considerable.

Get in touch to discuss your options and how you may be able to start saving ….

☎ 01708 641155
✉ [email protected]
🌍http://www.applefinancial.org/

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

18/08/2023

If your income was suddenly cut due to illness or injury, which of these could you afford, or would you want, to stop paying?

For most of us, we have certain things we rely on, part of our minimum standard of living. It could be you wouldn't want to cut back on your Netflix subscription, or still want to make sure the family has a holiday every year. But if you're unable to work and relying on statutory sick pay (SSP) of £110 per week, difficult choices have to be made.

With an income protection policy, this would ensure you'd continue to receive an income, either to the same level of your full pay, or a reduced amount to just cover your essential costs.

To speak to us about your options, and to see the monthly cost, which could be less than the cost of a takeaway or a weekly coffee, send us a message or give us a call.

☎ 01708 641155
✉ [email protected]
🌍http://www.applefinancial.org/

16/08/2023

Just as you would shop around for the best deal on your car or home insurance or a big purchase like a new car, kitchen or holiday, you could save yourself on your mortgage by finding lower interest rates and better mortgage terms.

Even if you have a great rate right now, your mortgage deal won’t always be the best one out there. Having a mortgage that works for you and your circumstances is so important.

Reviewing your mortgage regularly and considering your options helps ensure you are aware of your existing circumstances and when things may change. Your stress levels and your bank balance will thank you for it.

☎ 01708 641155
✉ [email protected]
🌍http://www.applefinancial.org/

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

14/08/2023

The number of people waiting for hospital treatment in England hit nearly 7.6 million for the first time at the end of June, according to NHS England.

This marked an increase of 574,649 from the end of 2022, as over 100,000 patients joined the NHS waiting list in June 2023. Overall, 383,083 people were waiting for more than one year to start hospital treatment.

Private healthcare, also known as private medical insurance, gives you fast access to not only GP's, often with 24 hour remote services, but also self referral services for mental health, physiotherapy and other specialist support, not usually available without a GP's referral.

Consider private healthcare if you want to:

▶️ Avoid lengthy GP and hospital waiting lists
▶️ Get diagnosed and treated quickly
▶️ Access specialist drugs and treatments

Get in touch today to find out how we can help.

☎ 01708 641155
✉ [email protected]
🌍http://www.applefinancial.org/

10/08/2023

3 of the big mortgage lenders in the UK have announced in the last few days that the interest rates on their mortgage range they offer to new and existing clients are being reduced, some by up to 0.50%!

Tracker rates are increasing, this is just in line with the recent increase in the Bank of England base rate.

Give us a call to find out how this could affect you and what mortgage products may apply to you and your circumstances.

☎ 01708 641155
✉ [email protected]
🌍http://www.applefinancial.org/

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

08/08/2023

When was the last time you did a healthcheck on your home and all the monthly outgoings? 1 in 4 of us never check on our mortgage and end up paying more than is necessary for the same thing. It's the same for things like protection and insurance, why pay more than you need too.

By reviewing your monthly outgoings you could;

➡ Save money, pay less each month
➡ Save time, pay your mortgage off sooner

Give us a call to find out how you could benefit from a review.

☎ 01708 641155
✉ [email protected]
🌍http://www.applefinancial.org/

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

06/08/2023

The difference between fixed rates from 2, 3 and 5 years ago, depending on what deal you may have taken then, can be significant, so how can you prepare yourself for what is for most, a significant increase in your monthly mortgage payment.

➡️Get into the habit by spreading the possible difference between what your payment is now and what it may be when the mortgage is due, increase what you pay each month and put the difference aside into a high interest savings account, or overpay on your mortgage if that's possible. Even overpaying by a small amount each month can make a significant difference over time, although obviously the more you can overpay by, the faster you’ll be able to pay off what you owe.

➡️If you do have more than 6 months left to run before your current mortgage deal finishes, and you’re on a lower rate, you may want to think about overpaying if you can afford to and your mortgage allows you to. This will reduce the amount you have to borrow when you come to remortgage, which should help keep your costs down despite higher rates.

☎ Call us on 01708 641155
✉ Email us at [email protected]
🌍Visit our website http://www.applefinancial.org/

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

03/08/2023

The Bank of England today announced that the base rate was increasing from 5% to 5.25%. So how can the mortgage lenders be reducing the rates they are offering to their customers? Only this morning Santander announced they were reducing the rates on some of their purchase and remortgage rates by up to 0.39%!

The simple answer is the economy and housing market is performing better than expected. The financial markets were predicting after the last interest rate rise that interest rates would need to rise by a further 0.75% to try to curb inflation. As a result, mortgage lenders prepared themselves for this by increasing their rates pretty much straight away. As inflation figures haven't been as bad as expected and by some measures are reducing and now below 7%, many of the mortgage lenders have reduced the rates they are offering to a level more in line with the 0.25% increase we saw today.

If you're confused, you needn't be, just give us a call ....

☎ Call us on 01708 641155
✉ Email us at [email protected]
🌍Visit our website http://www.applefinancial.org/

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

02/08/2023

If you’re approaching the end of your current mortgage deal, you might be wondering whether to act now, or to wait and see what happens to interest rates before deciding your next move - the good news is that you don't have to wait to start looking for a new mortgage.

If your existing mortgage deal is due to finish within the next six months, whether staying with the products on offer from your current provider, or moving to someone new, this gives you a little time to consider your options and for everything to be in place. This will avoid you switching onto your lenders standard variable rate, even for a short period of time, this is usually at a considerably higher interest rate than the mortgage you may have been on.

Get in touch today and we'll start to look at the options with you.

☎ Call us on 01708 641155
✉ Email us at [email protected]
🌍Visit our website http://www.applefinancial.org/

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

31/07/2023

Over the last week or so, we've seen a steady update from mortgage lenders where they've withdrawn their current range of mortgages, and introduced new mortgages with lower interest rates, a combination of greater confidence in the mortgage and housing market and belief that interest rates in the long term will reduce.

These new rates aren't guaranteed to be around for long though, those who've already signed up for a mortgage on the old higher rate may be switching to the lower rates, so it's important you get in touch asap before the money runs out with that provider (they only allocate so much for each range of products).

Get in touch today .....

☎ Call us on 01708 641155
✉ Email us at [email protected]
🌍Visit our website http://www.applefinancial.org/

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

28/07/2023

We're not just here for the nice things such as helping you get your dream home. If you're struggling financially, don't ignore what's happening hoping it will go away, get in touch asap!

We can help you look at a whole range of options to reduce your monthly outgoings, from restructuring your mortgage, to reviewing and re-prioritising your protection needs.

Don't let the stress of debts and money worries get on top of you, we're here to help ....

☎ 01708 641155
✉ [email protected]
🌍http://www.applefinancial.org/

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

26/07/2023

Will rates go higher or lower? The reality is nobody really knows, and the mortgage market is constantly having to adjust it's mortgage range, and the rates on offer to quickly changing economic conditions.

Inflation still remains high, despite a fall to 7.9% in June. Increasing the base rate is one of the few controls that the government has at its disposal to try to combat inflation, but this hasnt worked as successfully as in the past due to the popularity of fixed rate mortgages.

Mortgages are more expensive than they have been for a long time, you have to go back to 2008 to see similar rates. It's more important than ever to speak to a mortgage advisor to know and understand your options, someone who'll be able to research mortgages from over 70 different providers to get the right deal for you.

Don't leave your next mortgage to luck and hope for the best, speak to us today.

☎ 01708 641155
✉ [email protected]
🌍http://www.applefinancial.org/

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

Address

34 Parkland Avenue
Upminster
RM142EX

Opening Hours

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

Telephone

+441708641155

Website

http://www.applefinancial.org/

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