Assisting your dreams by remortgaging

‘Be fearful when others are greedy and greedy when others are fearful’.

This quote is possibly opportune in the current climate, and whilst it’s directed more at holding an investment portfolio, much of what you do with your own borrowing and protection requirements also relates to investing in your current and future needs.

You don’t want to be reckless, you should consider the opportunities that may be out there for you.

One of these may be to remortgage onto a better deal than the one you’re currently on. In short, you remain where you are, but simply try to find a deal that will cost you less each month, or perhaps one that will generate additional funds to enable you to undertake key home improvements.

mortgage

The good news is that there are still decent (and in some cases, improved) deals out there, particularly if you’re currently sitting on your lenders Standard Variable Rate (SVR).

You may even decide to utilise some of the mortgage payment money you save to provide additional protection for yourself (and perhaps family too) in the way of life assurance, or cover against illness, injury, or job loss.

Alternatively, even though you may enjoy a lower rate of interest from a new deal, you could decide to maintain the level of payment, if possible, enabling you to pay off the loan sooner than expected.

Benefit of Advice

In short, there’s simply a massive range of options on offer to meet both your borrowing and protection needs. So it makes sense to take advantage of calm, sensible and professional financial advice. And that’s before we even mention the raft of ‘tighter’ rules, which apply stricter ‘evidencing of income’ and ‘affordability’ measures to ensure that borrowers are stress-tested to see if they can not only meet current payments, but also be able to cope should the interest rate rise.

Even here, different lenders may interpret the rules in alternate ways, meaning that if you can’t get the loan you need from one lender, the answer may not be the same elsewhere. Hence the benefit of securing advice from someone that is dealing in this marketplace day-in, day-out.

Hold your hand throughout

We are also aware that you may have time-pressed lives, so we can hold your hand throughout the process, and liaise with the various parties along the way.

We already help a whole range of clients, from those who are new to home ownership, have a home and may want to move up (or down) the property ladder, or simply want to stay put and seek out a better deal, or require further funds. We recognise that each situation is different and needs to be tailored accordingly. To hear more, please get in touch.handshake

You may have to pay an early repayment charge to your existing lender if you remortgage, nobody wants that!

A MORTGAGE IS A LOAN SECURED AGAINST YOUR NAME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
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How to sell your home fast!

With 2016 well and truly finished, the Christmas decorations cleared away and life returning back to normal it is time to concentrate on how to sell your home fast. But how do you sell your home quickly and for the best price possible? After all, selling your home can be very overwhelming!

Here are some top tips to keep in mind before putting up that ‘For Sale’ sign:

Tips to sell your home fast:

Don’t over price your home – make sure the price is good but fair! It is tempting to raise the asking price searching for more profit BUT does it put off prospective buyers? Is your price in line with other similar properties?

img_7084De-personalise your home – One of the most important things I always advise is that you remove all personal photos from the home you are putting on the market.

I know your family picture looks great as the main focus of the living room wall but your own privacy and security comes before that professional photoshoot. Let’s face it, most of us a nosey and having your family photos in every room could distract the purchaser!

Removing most of your personal items (books, photos, memorabilia, ornaments) will allow the buyer to see the property as their potential home and that is paramount when it comes to selling your home fast.

 

De-clutter, de-clutter then de-clutter some more – this is the perfect time to be ruthless and throwaway all those things you no longer want or need. What you do want and need can be stored away in neatly labelled boxes which can be kept in the loft or garage.

De-cluttering will not only make the space look bigger and more spacious but it will also allow the buyer to see themselves living there.

The little things that mean so much – Fix those annoying little things, like curtains not hooked properly, clear away the coats & shoes in the hallway, remove the compost bin from the kitchen surface, draw the curtains and let the sunlight in (research shows that buyers will not linger in dark dingy places).

Don’t forget to put away your adorable pet’s left over dinner! So many of these things don’t cost money, they just require a little effort.

kerb-appeal

Kerb appeal is really important – if the exterior of your home looks appealing potential buyers will get excited about going in. Make sure that tall hedge is trimmed, throw away empty flower pots, tidy up your recycling bins (or cleared away altogether), clean the windows, clear the cobwebs and clear any pathways.

Make the most of your outdoor space – cut the grass, clean up the garden and buy a few brightly coloured pot plants to spruce up that area you can take the pots with you when you leave.