Switch Mortgage Finance

10/04/2024

26/01/2024

A lovely client showing their appreciation, thank you Emily and Alex at Yellowday Training x

19/11/2023

🏡 Planning to buy your dream home?

Here are some savvy tips to ace those property viewings:

🔍 View multiple times: Catch the property's vibe at different hours. Daytime tranquillity might not reveal evening noise levels.

👫 Bring company: A second opinion is golden! Tag along with a friend or family member for fresh perspectives.

🏠 Scope the exterior: The house's outside speaks volumes about its upkeep. Watch out for clues like loose tiles or worn-out paving.

📸 Click away: Snapping pics helps evaluate later. Seek permission first, but those visuals can be a game-changer for deciding and planning changes.

💦 Check the water pressure. If you love a long shower in the morning, good water pressure is essential. Don’t be afraid to flick the shower on while you’re viewing the house to check!

🪟 Window check: Windows can be a costly fix—inspect for damage, condensation, and ventilation issues.

🌧️ Keep an eye out for dampness: Look at walls beneath windows for signs of dampness or poor sealing.

These pointers can be your compass while navigating the exciting journey of finding your new home.

Happy house hunting! 🏡

✨

01884 906897
[email protected]

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

15/11/2023

🤕 What if illness or injury forced you to take time off work? How would you cope with the bills? 🏡

💼 Secure your peace of mind with Income Protection! 🛡️💪 It's the safety net you need to maintain financial stability during tough times.

Reach out for more information. Your peace of mind is just a message away. 📩

📲 🏡💼

01884 906897
[email protected]

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

12/11/2023

🍂 I love living in Devon! 🌳

🍁 Today's dog walk was a true countryside dream, with cows dashing over to greet us at the fence with cheerful moos! 🐄

👋 The autumn air, though a bit wet, carried that special Devon charm. 🍁 However, not every adventure is without its hurdles—my youngest got a welly stuck in the mud, and the field echoed with the moans of wet, muddy socks! 😅

🤗 Now, it's snuggling on the sofa and a yummy roast to top off this lovely day. 🐾

🚶‍♂️ 🐾

01884 906897
[email protected]

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

11/11/2023

Shared ownership has been one if the key topics from customer enquiries this week.

11/11/2023

Well done Dani North at Switch Mortgage Finance

🌟 Thrilled to start my Thursday with an incredible client review, thank you so much Ms M! 🌟

🏡

01884 906897
[email protected]

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

11/11/2023

Check out what Dani has to say about listed buildings.

What is classed as a listed building?

Listed buildings are a special category of period properties. They tend to be the older ones. A listed building is one which has special historical significance as decided by Historic England.

There are certain things you can and can't do to a listed building. Generally, anything older than about 1700 tends to be listed and most homes built between 1700 and 1850 will be listed as well.

Buying a listed building can be a unique and rewarding experience, but it also comes with its own set of advantages and disadvantages. Here's a breakdown of both:

**Advantages:**

1. **Historical Charm:** Listed buildings often have unique and characterful architectural features, which can create a distinctive and charming living environment.

2. **Investment Potential:** Owning a listed building can be a solid long-term investment, as their historical significance can increase their value over time.

3. **Cultural Significance:** You'll be preserving a piece of local or national history by maintaining and caring for a listed building.

**Disadvantages:**

1. **Maintenance Costs:** Listed buildings often require specialized and sometimes costly maintenance and repairs to adhere to preservation standards.

2. **Restrictions:** There are often strict regulations on what you can and cannot do to a listed building. This can limit your ability to make changes or renovations.

3. **Unforeseen Issues:** Older buildings can hide structural or maintenance issues that may only become apparent after purchase, leading to unexpected expenses.

Before buying a listed building, it's crucial to conduct thorough research, consider your long-term goals, and consult with experts who can provide guidance on the specific property you're interested in. Careful planning and a clear understanding of the responsibilities and limitations that come with owning a listed building are essential to making an informed decision.



01884 906897
[email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR Dani North at Switch Mortgage Finance

31/08/2023

Overpaying on your mortgage can be a great thing to do. Please make sure you check the following before making overpayments:

1. Do you have other, expensive debts? If so, clear those first.

2. Can you overpay without penalty? Most can overpay 10% per year but get it wrong and you risk being charged fees.

3. Do you have a sufficient emergency fund? It's worthwhile having a cash emergency fund.

01884 906897
[email protected]

*Warning your home may be repossessed if you do not keep up repayments*

21/08/2023

We are seeing some interest rates reducing but many have high lender fees.
We will always source the most cost effective mortgage for you so you are not paying more than you need to.
Call us on 02392 414596

Your home may be repossessed if you do not keep up with your payments.

With so many people in the UK coming to the end of their fixed rate this year, we're encouraging people to speak to us sooner rather than later!

Many have worries about how much more they will have pay as a result of interest rates.

The best solution is to confront this head on.

You could secure a mortgage rate up to 6 months in advance of the end of your current product. If rates go down between now and your renewal date we will make sure you remain on the best rate for you.

Book in a chat with the team today



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

13/08/2023

When looking for a new mortgage, there are 2 things that influence the interest rate and how much you can borrow from a lender.

1/ The lender’s criteria when they look at your circumstances and,

2/ The size of your deposit!

It is wise to shop around to get the best mortgage deal and you should consider seeking advice from mortgage experts like us😉

Your home could be repossessed if you do not keep up with your repayments.