Olesya Vintila Mortgage, Legal and Protection adviser

Have you ever considered getting critical illness cover if you have a family and a mortgage?
Critical illness cover is insurance that provides a cash sum when one of the specified critical illness conditions is diagnosed.
If you would like more information, contact me on
07884 288500 or [email protected]

Your mortgage is probably the largest financial transaction and commitment you are likely to undertake.
I offer you mortgage advice that is unbiased and individually tailored to your needs and requirements.
Contact me for a no obligation chat.

☎️07884 288500
📧[email protected]

It is tougher than it has been for some time to get onto the property ladder, BUT, that doesn't mean it is impossible.
Get in touch for a no obligation chat.

📧 [email protected]
📞07884288500

What Type of Life Insurance? do you need? Are you, your income, your mortgage covered?

Protect your family - Life Insurance or Family Income Protection
Protect your mortgage - Mortgage Life Insurance
Pays out whenever you die - Whole of Life Insurance
Critical illness insurance - covers you for specified critical illnesses. Still not sure?

Call me for more obligations chat on
07884288500
or email [email protected]

У каждого должно быть завещание, но 2 из 3 человек еще его не составили , а те, у кого оно есть, могут иметь неправильное завещание.
По оценкам, каждый год 70 000 человек в Великобритании вынуждены продавать свои дома, чтобы заплатить за уход в доме престарелых. Чтобы узнать больше, свяжитесь со мной для бесплатной консультации.

☎️07884 288500
📨[email protected]

Did you know that almost 2,000 homes per month are sold to fund social care?!
On average, 1,760 older homeowners per month or 406 older homeowners every week are being forced to sell their homes to fund their social care costs.
According to new research by Independent Age, 21,120 homes were sold in 2018 with the funds being used to pay for the vital care all people should be entitled to as we age.
To help secure your future visit https://bit.ly/tkrslegal or better still Talk to Tuckers on 01598 753888

Come and say hi!

All set up in Green Lanes for the day. Currently featuring mortgage & legal advisers, John Hutchings & Olesya Vintila (other advisers are available!).
Pop in for an informal, jargon free chat. Here until about 5pm.

Come and say hi, I will be there. 😊

Come and find us in Green Lanes Shopping Centre, Barnstaple tomorrow - Thursday 25th April. Adam Hair Independent Financial Adviser and the team will be there from 9 till 5 to chat about all things financial.
There will be an expert on hand for advice on mortgages, savings, investments, life insurance, IHT planning, wills, probate and much more.
No hard sell, just an informal chat to see if there’s anything we can help with.

Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. At Tuckers we offer you mortgage advice that is totally unbiased and individually tailored to your needs and requirements. Need a mortgage? Talk to Tuckers.
For more information email

📧[email protected]

☎️07884 288500

Your home may be repossessed if you do not keep up repayment. Tuckers Financial are authorised and regulated by Financial Conduct Authority (FCA)

“Happy Mother’s Day to all the strong and amazing women who have taken on the beautiful role of being a mom! Sending love and appreciation to each and every one of you 💕

Flowers from a happy customer. Thank you.

Rates are staying at 5.25%

Bank of England leaves rates on hold at 5.25% Bank of England leaves rates on hold at 5.25% - MPC votes by 6 to 3 to keep rates unchanged for second meeting in succession

Can't afford to buy a house on your own? So maybe JBSP is for you.
A joint borrower sole proprietor mortgage can help with affordability by allowing you to add another person’s income to your mortgage application, without giving them any ownership of the property. This can increase the amount you can borrow and make it easier to qualify for a mortgage. For example, if you want to buy a property worth £200,000 and you earn £25,000 a year, you may only be able to borrow up to £100,000 based on your income alone. However, if you add your parent’s income of £50,000 a year to your application, you may be able to borrow up to £200,000 as a joint borrower sole proprietor mortgage. They will not have any legal rights to the property or any share of the profits if you sell it. However, they will be jointly liable for the mortgage payments with you, so they should be confident that you can afford them.
A joint borrower sole proprietor mortgage is different from a guarantor mortgage, where the other person only becomes responsible for the payments if you fail to make them. With a joint borrower sole proprietor mortgage, the other person’s income is considered from the start and they are equally responsible for the payments throughout the term of the mortgage. Contact me to find out more.

07884 288500
[email protected]

Your property may be repossessed if you do not keep up payments on a mortgage or loan secured against it. Exe Mortgages Ltd. is authorised and regulated by the Financial Conduct Authority (FCA).

What are restrictive covenants? - Yopa Homeowners Hub It’s not uncommon to find properties with so-called ‘restrictive covenants’ attached to them. But what are they, and are they as daunting as they sound? The answer depends on what the covenant is for. Once you know, it’s usually a lot easier to decide whether it should affect your plans to p...

Once you’ve repaid your equity loan in full, HM Land Registry will remove the charge on your home.

Learn more about managing and repaying your equity loan in our how to guides: https://www.gov.uk/manage-equity-loan

📢 Top Tip Tuesday - Calling All Self-Employed Clients 📢
If you are self employed and you are looking to apply for a mortgage, one of the first questions you may get asked is...
"Have you completed your tax return for the 2022/2023 Tax Year?"
This may see like an odd questions to you, as you have until the 31st January 2024 to file this. However, the reason is that for most mortgage lenders, the most recent tax return has to be dated within the last 18 months. This means your tax return for the tax year ending 5th April 2022 is potentially out of date in the lenders eyes.
If you are self-employed and looking for a mortgage before the end of January, it may be worth booking in with your accountant!

Life is short, time is precious & we are here to make the best use of your time!
Your banks only have access to their own mortgage products, however here at Exe Mortgages we have access to thousands of products across the whole mortgage market.
We take pride in knowing lenders exact criteria so we can help you find the best mortgage that matches your needs!

📞07884 288500
📧 [email protected]

Your property may be repossessed if you do not keep up payments on a mortgage or loan secured against it. Exe Mortgages Ltd. is authorised and regulated by the Financial Conduct Authority (FCA).

Bank of England Base Rate finally Frozen after 14 consecutive rises!

Why not take some time to talk to me, I am ready to answer all your mortgage questions & help you!

📞 07884288500
📧 olesyaexemortgages.co.uk
🌐 www.exemortgages.co.uk



Your property may be repossessed if you do not keep up payments on a mortgage or loan secured against it. Exe Mortgages Ltd. is authorised and regulated by the Financial Conduct Authority (FCA).

Have you been putting off sorting out your remortgage or discussing moving home?

Why not take some time to talk to me, I am ready to answer all your mortgage questions & help you!

📞 07884288500
📧 [email protected]



Your property may be repossessed if you do not keep up payments on a mortgage or loan secured against it. Exe Mortgages Ltd. is authorised and regulated by the Financial Conduct Authority (FCA).

Working lunch in the garden under grapevine.

Have you been putting off sorting out your remortgage or discussing moving home?

📞 07884288500
📧 [email protected]
🌐



Your property may be repossessed if you do not keep up payments on a mortgage or loan secured against it. Exe Mortgages Ltd. is authorised and regulated by the Financial Conduct Authority (FCA).

Are you protecting your family's financial future?
Although life insurance cannot remove the emotional pain that your family would go through, it will ease the financial pain by paying a lump sum in the event of critical illness or death.
For as little as a coffee a day, you can ensure your family isn't at risk. So, ask yourself, what is most important to you?!
Get in touch for a no obligation quote.

07884 288500
[email protected]

Hope they are right.

Fixed rates could fall even if Bank of England raises interest rates, brokers say As the Bank of England looks set to raise rates to a 15-year high today brokers have claimed that mortgage rates could still continue to fall.

We cannot predict what life is going to throw at at you, however we can make sure you are protected from the unexpected. From Buildings & Contents, Life Insurance to Business Protection, we can ensure that we minimise the financial impact on you & those near should the worst happen.
There are many different types of protection policies available, and we work with you to find the right cover to suit your needs – get in touch with one of our Consultants to see how they can help you prepare for the future.
📞 07884 288500
📧 [email protected]
🌐 www.exemortgages.co.uk

Ever dream't of adding that extra bedroom, bathroom or even a conservatory? Well we may have the answer for you!

Re-mortgaging could be your answer. You can remortgage to raise capital by releasing equity from your property, providing you with the cash to fund your home improvements.

Get in touch to see how we can help you, make your dreams a reality!

📞 07884288500
📧 [email protected]



Your property may be repossessed if you do not keep up payments on a mortgage or loan secured against it. Exe Mortgages Ltd. is authorised and regulated by the Financial Conduct Authority (FCA).

If you have got extra money, you could make over payments on your mortgage. It will reduce the amount your pay overall and also shorten your mortgage term… But is this the right thing to do for you? Here are some benefits and drawbacks for you to consider.
Benefits:
⭐ Reduce Your Interest – By making over payments, it means you would be paying off your mortgage sooner, reducing the amount of interest you will pay.
⭐ Better Than Savings – It could save you much more than you would earn from your savings being in an account – unless the interest rate on your savings account is much higher!
⭐ Increase Your Equity – When you overpay, you own a bigger portion of your home and it brings you that one step closer to owning it completely outright.
Drawbacks:
⭐ Less Cash – If you use all your savings, you won’t have necessarily be able to get it back. So, it is important to always have money tucked away for emergencies!
⭐ Other Debts – Whilst your mortgage is most likely to be your biggest debt, you should always prioritise paying back other debts with higher interest rates first.
⭐ Fees & Charges – You might be charged an early repayment charge if you make over-payments over a specific amount. You can usually overpay up to 10% of your mortgage balance before incurring any fees but you will need to check with your lender first.
To ensure you are making the right decision, please get in touch with us to run through your options.

Your property may be repossessed if you do not keep up payments on a mortgage or loan secured against it. Exe Mortgages Ltd. is authorised and regulated by the Financial Conduct Authority (FCA).

Porting is the process where you move your current mortgage product to a new property. It can be a great flexible feature for those who are currently in the middle of a fixed term period and are looking to move house without incurring any early repayment penalties.
However, whilst many mortgages are portable, you may not be eligible. You have to essentially reapply to your existing lender, which means you may not qualify if your circumstances have changed, the lenders criteria has changed since you originally applied, or if the lender deems the property not suitable security.
If you are looking to move and have some questions, let us know, we are happy to help.
📞⁨07884 288500⁩
📧 [email protected]
🌐 www.exemortgages.co.uk
Your property may be repossessed if you do not keep up payments on a mortgage or loan secured against it. Exe Mortgages Ltd. is authorised and regulated by the Financial Conduct Authority (FCA).