Our Latest News

Autumn 2016 Newsletter

Posted by on Oct 17, 2016 in Latest News | 0 comments

The impact of Brexit will have a marked effect on both the economy and what occurs within the mortgage sector over the ensuing months. The basic fundamentals of the mortgage sector are still fairly sound and recent initiatives from the Bank of England, such as the Bank Base Rate reduction to 0.25% can only help to maintain confidence in the mortgage sector and stimulate the wider UK economy. Elsewhere in the latest issue of Mortgage and Protection News, we remind you that it’s vitally important to have protection in place to maintain an...

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The Importance of Life Insurance

Posted by on Oct 10, 2016 in Latest News | 0 comments

It’s likely that you may already have some form of Life Insurance in place that covers yourself or your mortgage. If you do that’s great, but when did you take the policy out and how much does the policy cover? Maybe life has changed for you since you took that policy, maybe you’ve had children, moved house or re-mortgaged. If so, you may not have enough cover to protect your family and pay off your current mortgage borrowing. If you were to pass away would your family be able to keep their home? Life Insurance gives you the reassurance that...

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The West Bromwich Mortgage Company

Posted by on Jun 10, 2016 in Latest News | 0 comments

The West Bromwich Mortgage Company is to refund £27.5 million to thousands of landlords who were overcharged. In September 2013 it announced a 1.9% increase to its tracker rate for landlords with multiple properties, even though the Bank of England base rate had not increased. The Appeal Court has ruled that the lender was wrong to do this and now they must contact and reimburse all affected borrowers.

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Protection Bulletin

Posted by on Jun 9, 2016 in Latest News | 0 comments

Please find attached a copy of our latest newsletter “THE PROTECTION BULLETIN” which covers the numerous protection products available, including; * Life Cover * Critical Illness Cover * Income Protection * Family Income Benefit Please contact me if you would like any further information.

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Summer 2015 Newsletter

Posted by on Jul 3, 2015 in Latest News | 0 comments

With the General Election out of the way, perhaps now is the time to look at your current mortgage borrowing and protection requirements. You will be pleased to know that there are still some very competitive mortgage products available. In the latest issue of Mortgage and Protection News, we look at the opportunities available for current homeowners, who maybe are not looking to move house but would like to re-mortgage in order to undertake home improvements. Other articles include the help available for First Time Buyers and the continued...

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Mortgage and Protection News – Winter 2015 Newsletter

Posted by on Jan 16, 2015 in Latest News | 0 comments

In the latest issue of Mortgage and Protection News, we look at the mortgage options available as lenders continue to fight for market share in Q1 2015*  and we also cover the recent changes to the stamp duty rules. Elsewhere, we highlight the importance of having protection cover to ensure that you and your family would be able to cope if faced with an untimely change to your existing lifestyle and the cover may not be as expensive as you think. The Buy to Let sector continues to thrive and now accounts for over one in seven of all...

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Help to Buy Update

Posted by on Sep 11, 2014 in Latest News | 0 comments

According to data released by the treasury, there have been 48,393 completions,  since the Help to Buy equity loan scheme launched in April 2013.  New build homes purchased through the equity loan scheme accounted for 29,829  completions  and a further 18,564 properties were bought using the Help to Buy mortgage guarantee scheme.  First time buyers accounted for 85% of transactions for both the equity loan and mortgage guarantee schemes.  The average purchase price across the entire scheme was £187,815.00 significantly below the national...

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Mortgage and Protection News (Spring 2014)

Posted by on Mar 6, 2014 in Latest News | 0 comments

Available now on our website is the Spring edition of our newsletter “Mortgage and Protection News”.  In this issue we have an update on the UK housing market, with the Council of Mortgage Lenders forecasting mortgage lending of £195 bn this year which is around 15% higher than the estimated figure for 2013. There is also an update on the “Help to Buy” scheme, that sets out the differences between the “Mortgage Guarantee” and “Equity Loan” schemes.  We also look at what effect “Help to...

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95% Mortgage Options

Posted by on Dec 24, 2013 in Latest News | 0 comments

Since the launch of Help to Buy 2 there is now a wider choice of products for borrowers with a 5% deposit, even outside the government backed scheme. Mortgage lenders may have been slow to join the second part of the Help to Buy scheme but this doesn’t mean that borrowers looking for a 95% loan to value mortgage should be limited to just a handful of mortgage lenders.  The aim of the second part of the scheme, where the government guarantee part of the mortgage borrowing, for house buyers with a 5% deposit, was to make mortgage borrowing more...

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Housing and Mortgage Update

Posted by on Sep 19, 2013 in Latest News | 0 comments

There are lots of positives within the housing and mortgage sector at the moment, in the latest issue of our newsletter (The Mortgage Autumn 2013), we set out how the latest mortgage deals on offer may be of benefit to you – perhaps to help finance a move or maybe for home improvements  to your existing home. With around 4.4 million mortgage borrowers currently on their lenders Standard Variable Rate – there may now be better deals available to help reduce their mortgage payments. On the protection front, we consider how critical...

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