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Somers Financial Ltd

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Somers Financial Ltd

ABOUT US :

We are an established mortgage brokerage and offer a fast and quality service.

Our clients have very individual requirements ranging from financing a first-time purchase to high-value mortgages and Buy-to-Let lending. One of our main strengths is that we are able to assist clients throughout the UK without the need for you to visit us in person. We can offer a telephone-based service and you will find that our advisers are easily contactable and use the latest technology to

research and arrange your mortgage quickly. For those clients who prefer to visit our office, we are based in Broadwater, West Sussex. We are experienced in arranging mortgages for those clients whose borrowing requirements may be a little more complex and especially where work commitments can make finding the time to arrange a mortgage challenging. If you are looking for assistance in finding and arranging a new mortgage, please contact us on 01903 219992. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

We normally charge a fee for mortgage advice however, this will be dependent on your circumstances. If a fee is charged our typical fee structure is £250 on application and a further fee of £295 on completion. Somers Financial Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorized and regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate most Buy to Let mortgages

28/03/2024

Mortgage protection is key when you're a homeowner. 📈

It could be the difference to keeping on top of monthly repayments if anything were to happen.

This can cover both accident and sickness policies that cover you if you can’t work due to serious illness or injury. 😷

You never know when you might need it, but it's always good to be prepared!

For advice on your mortgage protection, check out our website.

25/03/2024

🤩🤩 Client love on Google. 🤩🤩
Rupert, one of the Somers Financial directors, regularly receives plaudits from our amazing clients, and this one is no different!

For help with your mortgage, no matter which stage your mortgage journey you’re at, get in touch with the experts at Somers Financial.

You can call us on 01903 219 992 or email [email protected].

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

22/03/2024

The average home price is around 7x the average salary, so how do you buy your first home? 🤔

The most popular option in 2024 is applying for a joint mortgage, which means teaming up with partners or friends to buy homes with two, three, or more names on the application.

This helps to spread the cost and enables younger buyers to purchase their own property.

Of course, there are downsides to this such as the fact you won’t own your home outright. It might also test your relationships, leading to issues down the line.

However, it could be your route onto the property ladder if you’re struggling to afford it alone.

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

19/03/2024

Lots of self-employed people come to us with limited accounts, certain they can’t get a mortgage. 🏡

The truth is, there are many options out there if you know where to look, even if you’re in your first year in business.

Take a look at our four top tips to find a mortgage if you’re a sole trader with little to no accounts to speak of.

And for guidance built around your circumstances, get in touch.

https://www.somersfinancial.co.uk/contact/

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

14/03/2024

Three DON’Ts for your mortgage switch. ❌

⛔️ 𝗗𝗢𝗡’𝗧 𝗽𝗮𝘆 𝗽𝗼𝗶𝗻𝘁𝗹𝗲𝘀𝘀 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁.

Sticking with a high interest rate could lose you thousands over time. If you find a better deal, don’t be afraid to switch.

⛔️ 𝗗𝗢𝗡’𝗧 𝘀𝘁𝗶𝗰𝗸 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝗰𝘂𝗿𝗿𝗲𝗻𝘁 𝗹𝗲𝗻𝗱𝗲𝗿 𝗮𝘂𝘁𝗼𝗺𝗮𝘁𝗶𝗰𝗮𝗹𝗹𝘆.

Sometimes they have attractive options, but you’ll likely find a better deal by shopping around.

⛔️ 𝗗𝗢𝗡’𝗧 𝗯𝗲 𝗽𝘂𝘁 𝗼𝗳𝗳 𝗯𝘆 𝗰𝗼𝘀𝘁𝘀.

Most are one-time and some lenders offer packages to cover them.

As a rule, you’ll generally save over time with a better deal, but weigh up your options and make sure your decision makes financial sense.

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

11/03/2024

A lot of clients that come to us don’t know much about mortgage protection. 🤔

So, let’s see if you need mortgage protection for you and your family.

Mortgage protection offers a financial safety net for homeowners and helps you afford repayments on your mortgage debt if you can’t work.

This can be for sickness, providing you with peace of mind.

Replacing your income either in a lump sum or with monthly payments, mortgages and mortgage insurance go hand in hand.

At Somers Financial, we have years of experience recommending the right mortgage protection to our clients and can do the same for you.

To find out more, visit our website.

As with all insurance policies, conditions and exclusions will apply.

08/03/2024

It’s never easy to know when you should remortgage, but we’ve got a trick to help you hedge your bets. 🙌

If you’ve found an attractive fixed-rate deal, you could consider getting a mortgage offer in place now and not complete it for say, 6 months.

This gives you the benefit of a good deal in your pocket, and if something better comes along, you can cancel it and go with the newer option.

There may be charges associated with doing this and new credit checks, but it could be your ace in the hole in an unpredictable mortgage market.

For more tips and tricks regarding your mortgage, drop us a line.

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

05/03/2024

Top tips for landlords in 2024. 🤝

Some mortgage lenders are reducing stress testing for buy-to-let mortgages.

This, alongside stability in interest rates, an easing of inflation, and high tenant demand, means that 2024 could be extremely positive for landlords.

With almost 70% of landlords recording profits, there’s no better time than the present to get started on your buy-to-let journey.

For advice tailored to your needs as a potential or existing landlord, get in touch with our team of experts.

Your property may be repossessed if you do not keep up repayments on your mortgage. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.

29/02/2024

𝙏𝙝𝙧𝙚𝙚 𝙦𝙪𝙞𝙘𝙠 𝙬𝙖𝙮𝙨 𝙩𝙤 𝙨𝙖𝙫𝙚 𝙢𝙤𝙣𝙚𝙮 𝙤𝙣 𝙮𝙤𝙪𝙧 𝙝𝙤𝙢𝙚 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚.

1️⃣ Check your locks.
Listing the wrong locks on doors and windows could invalidate your insurance. Certain locks also bring premiums down.

2️⃣ Check your details.
Don’t make mistakes on your paperwork and always alert your provider if your circumstances change.

3️⃣ Check your expensive items.
Most insurers have a limit for single items. List expensive items separately to be covered above the limit.

For more ways to get the most of your insurance, speak to our team. 🗣️

Whether it’s income protection, life insurance or any form of home insurance, we’ve got you covered with a professional, friendly service. 🤝

As with all insurance policies, conditions and exclusions will apply.

26/02/2024

Is your income protected against the worst-case? 😳

Income protection is underrated in the UK, especially compared to the likes of home insurance that 70% of homeowners have in place. 🏡

Only 9% of sole traders have income protection in place, too, which is astonishing, considering they have no sick pay or employee benefits. 🧐

Whether it’s lack of awareness or lack of confidence they’ll be accepted, we can help. 🤝

This is because many lenders offer bespoke income protection options for the self-employed, as well as options for those with full or part-time jobs. 🙌

At Somers Financial, our experts have access to these products and more and can help you protect your income effectively. 🫡

To find out more, visit our website: https://www.somersfinancial.co.uk/insurance/

As with all insurance policies, conditions and exclusions will apply.

23/02/2024

Why landlords should be excited for the year ahead. 🧐

2023 was a year of high interest rates and high house prices. 📈

However, 2024 looks set to buck the trend with lots of lenders offering mortgage rate reductions at the turn of the year. 📉

This is alongside the low demand for housing leading and lower house prices in general, which could be a recipe for success as a landlord. 😁

Whether you’re just starting out or building your property empire, we can help with buy-to-let mortgage deals you’ll struggle to find yourself. 🤝

With years of experience and vast access to the market, speak to one of the experts at Somers today. 👇

https://www.somersfinancial.co.uk/contact/

Your property may be repossessed if you do not keep up repayments on your mortgage. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.

20/02/2024

⭐️⭐️ Client love on Google! ⭐️⭐️

Our clients mean the world to us so nothing makes us happier than seeing them happy with our service. 🤩

See what Ryan had to say about our mortgage service and to bag yourself a deal that suits you and your family, don’t hesitate to get in touch. 📞

Call 01903 219 992 and let’s get started. 🤝

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

Address

29 Broadwater Street West
Worthing
BN149BT

Opening Hours

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

Telephone

+441903219992

Website

http://www.somersfinancial.co.uk/

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