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Demi Raw Mortgage Broker, 260 Dewsbury Road, Wakefield (2026)

05/12/2024

Having the right insurance in place can save you many sleepless nights when it comes to your home and your finances, but with so many different policies out there, finding the right one for you can seem like navigating a minefield – with a danger you might be uninsured, or left-out-of-pocket should the worst happen.

Leave it to the experts – let me find the right insurance for you, talking you through your exact circumstances and search the market for the right one to suit your every need. We cut out the jargon and help to give you the peace of mind you need – so you can get on and sleep easy. Contact us today.

Availability and cost of cover is subject to criteria such as age, lifestyle, current health and medical history.

27/09/2023

Important information!

• Are you self-employed?
• Is your mortgage due to be renewed in the next 6-9 months?
• Are you planning to buy a property?

Due to lenders criteria, from the 01/10/2023 most lenders will require your 2023 tax return (SA302 + Tax year overview) to submit a new application.

Although you are not required by HMRC to complete your return until January 2024, if you don’t have the 2023 return this could prevent you securing a new deal. It will be beneficial to get prepared now, so you don’t lose out.

I want you to secure the best deal available, without any delays.

Please get in touch if you need any more information

📧 [email protected]
📞 0113 3206222
Demi Raw Mortgage Broker - Pims

20/09/2023

Have you been declined by a bank?

If the answer is yes please read this post.

Being declined by a bank does NOT mean you are unable to get a mortgage. So DO NOT let that put you off!

Each lender has different policies and criteria. It’s my job to find you one that suits your personal needs and circumstances.

Worse case scenario if you don’t fit criteria with any lender at this moment in time, I will always work on a plan with you to get you where you need to be for the future.

If you want to have a chat to discuss your personal circumstances please get in touch for a chat.

📞 01133206222
📧 [email protected]

01/09/2023

Did you know you can secure a new deal on your existing mortgage 6 months before it’s due to end?

If your deal is due to finish within this period get in contact to see what’s the best deal for you and your circumstances.

📞 01133206222
📧 [email protected]
Demi Raw Mortgage Broker - Pims

23/08/2023

Another happy client. 🥰

I pride myself on been at hand when you need me whatever day or time of the week this may be.

21/08/2023

A small step may be to see your eligibility to buy your first home, move to a new home or look at your options if your deal is due to end.

I’m here to help. Get in touch.

📞 01133206222
📧 [email protected]

18/08/2023

Have you been declined by a bank?

If the answer is yes please read this post.

Being declined by a bank does NOT mean you are unable to get a mortgage. So DO NOT let that put you off!

Each lender has different policies and criteria. It’s my job to find you one that suits your personal needs and circumstances.

Worse case scenario if you don’t fit criteria with any lender at this moment in time, I will always work on a plan with you to get you where you need to be for the future.

If you want to have a chat to discuss your personal circumstances please get in touch for a chat.

📞 01133206222
📧 [email protected]
Demi Raw Mortgage Broker - Pims

09/08/2023

What is the Right To Buy Scheme?

This is a scheme that the local authority use for people who have been tenants for a minimum of 3 years to purchase the property they are living in, you will receive a discount from the local authority too.

The discount can act as a deposit so none of your own savings will be required with most lenders. Although if you do want to put down a deposit you can to reduce your borrowing. This would be assessed on your individual circumstances.

The council will put a clause on the property for the first 5 years, meaning if you sell within that period they will take back their discount.

The scheme is also available on housing association properties too known as right to acquire and can be slightly different to the local authority right to buy as different associations have different rules.

If you are in renting from the local authority or a housing association and want to become the legal owner of the property, please don’t hesitate to ask any questions an il be able to guide you through the process.

📧[email protected]
📞01133206222

03/08/2023

******BREAKING NEWS******

The Bank of England base rate has been increased again today by another 0.25% taking it to 5.25%.

This doesn’t mean the banks will automatically increase their interest rates but it is an indication that it could happen.

If you are on a variable rate you will probably have seen an increase to your monthly payments with previous base rate rises and will see another with todays rise.

Don’t delay reviewing your mortgage if your deal is due to expire within the next 6 months let’s secure you a rate sooner rather than later, if rates reduce between now and your deal finishing we can swap to a new one and if they increase further you know you got a good deal.

Get in touch.

📧 [email protected]
📞 01133206222

03/08/2023

Clients feedback from a completion this week.

The deal on their existing mortgage was due to end so we have secured a new rate with additional borrowing to pay off some debt and make some home improvements. It’s made them financially better off each month by now only having the one mortgage payment instead of multiple payments to credit commitments.

If you think you could benefit from this drop me a message. Details in BIO.

Demi Raw Mortgage Broker

05/12/2024

27/09/2023

20/09/2023

01/09/2023

23/08/2023

21/08/2023

18/08/2023

09/08/2023

03/08/2023

03/08/2023

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