Clark Mortgages, Chester Videos

MORTGAGE RATES CONTINUE TO RISE AND FALL 🏡 ⏰ 🔐 🎢 Mortgage rates are like a rollercoaster at the moment, up and down daily 😓 We can secure a new deal with most lenders, 6 months before your existing fixed rate ends. ⏰ The deal that we secure at that time will actually be the worst case scenario because the good news is that if that rate reduces in the next 6 months, whilst you wait for your existing deal to end, we can change it throughout this period 😲🏡 You won't get this service from a bank, we will be sure to keep our eye out for better rates and deals, whilst keeping you informed of any positive updates. 🔍 If you wait until nearer the time, you are taking away that opportunity to grab a lower rate if they reduce and potentially chancing if the market rates increase again! Securing your rate early can potentially save you hundreds over the fixed term of your mortgage deal. Staying with your current bank or lender DOESN'T mean it's the cheapest rate! Based in Chester city centre. We can accommodate appointments via telephone, face-to-face and video calls. We can accommodate evening & weekend appointments ✅ Currently looking for a Remortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎 We offer a FREE no obligation initial appointment to understand your circumstances. Get in touch to see how we can help you! Contact us on: ✉️ Message us direct | [email protected] ☎️📱 Call 01244 554 030 | 07984 747 267 📱💻 www.clarkmortgage.co.uk YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

MORTGAGE APPLICATION 🏡 📱 We take care of all the hard work, so you don't have to worry ✅ We're here to answer all your mortgage related questions you may have and guide you to the best options for your current circumstances. Based in Chester city centre. We can accommodate appointments via telephone, face-to-face and video calls. Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎 We offer a FREE no obligation initial appointment to understand your circumstances. Get in touch to see how we can help you! Contact us on: ✉️ Message us direct | [email protected] ☎️📱 Call 01244 554 030 | 07984 747 267 📱💻 www.clarkmortgage.co.uk YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

YOUR NEW HOME COULD BE A CALL AWAY 🏡 📱 Looking for an appointment to fit around work or home life? We can accommodate evening or weekend calls ✅ We can help secure your decision in principle and help you with your affordability queries 💰 Currently looking for a mortgage? Call the experts to help secure your new home 🏡 Based in Chester city centre. We can accommodate appointments via telephone, face-to-face and video calls. Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎 We offer a FREE no obligation initial appointment to understand your circumstances. Get in touch to see how we can help you! Contact us on: ✉️ Message us direct | [email protected] ☎️📱 Call 01244 554 030 | 07984 747 267 📱💻 www.clarkmortgage.co.uk YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

OUR ONE TRUE LOVE 💜 We love helping our customers acquire their dream homes 😍 Stop window shopping on right move and let's set up a date! Happy Valentines Day all! 💜 Based in Chester city centre. We can accommodate appointments via telephone, face-to-face and video calls. We can accommodate evening & weekend appointments ✅ Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎 We offer a FREE no obligation initial appointment to understand your circumstances. Get in touch to see how we can help you! Contact us on: ✉️ Message us direct | [email protected] ☎️📱 Call 01244 554 030 | 07984 747 267 📱💻 www.clarkmortgage.co.uk YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

Merry Christmas from all the team at Clark Mortgages 🎅🏼 🌲

Self-Employed people who just go direct to their bank for mortgages may be shooting themselves in the foot! 🏦 ❌ Generally, a business owner, sole trader or contractor will have more control over how their income is taxed using efficient accountants. This can make it difficult for these clients to structure their taxable income whilst also making sure they're in the best position for meeting their mortgage needs. What if I told you that the issue comes, often, from simply trying to fit a square peg in a round hole? Here are some examples: 📍Working as a contractor and putting the income through a limited company, numerous lenders will treat you as a typical 'self-employed' person and look for your last 2 years' tax returns. What about a lender who ignores what the books look like and looks instead at what your day rate is? You could potentially save £1000s in tax by not pandering to your bank's criteria, not having to wait for accounts could accelerate your buying plans by a couple of years, too. 📍Limited Company owners might want to consider seeking independent advice from mortgage advisers who can interact with their accountants to make a tax-efficient structure to getting the mortgage they want. Don't just take a massive dividend because it's mortgage review year - you're paying tax on income you might not need, perhaps even on higher rate tax rather than your usual basic! Some lenders will consider the net profits or retained earnings within your business. 📍Incorporating your business doesn't mean that you need to wait 2 more years for proof of income in its new format. Accountant confirmation that the operations and structure of the company remain unchanged could be all that's required. Like always, get in touch if you have any questions. Sometimes, the easy answer can solve your problem. Based in Chester city centre. We can accommodate appointments via telephone, face-to-face and video calls, evenings and weekends availible. Currently

3 TOP TIPS FOR GETTING A MORTGAGE 🏡 It's hard to define 3 top tips that fit every one person. Different subsets of consumers have different requirements. Given that we deal with more complicated customer profiles, particularly I've aimed mine at some of our more recent proposals but there's no one size fits all. Perhaps, being so focused on the minutia of the deals, though, we can forget that many clients aren't as well versed in mortgages as we are, perhaps skipping over some of the basic questions that could be covered off. Here are some tips, perhaps more geared around credit history, that might be useful to you. 1) Credit score is a system, set of rules, that mortgage lenders and other credit providers have built to determine whether you fit their 'ideal' client portfolio. History of payments, whether you're overly reliant on credit, pay any bills and/or fines (parking tickets!!). It's not quite the same as your credit score that Experian gives you but definitely worth making sure you know of anything that might be impacting your credit score. 2) Deposit, technically, starts at 0% right now but most lenders start at 5% in practical terms. I speak to a number of clients who, as a result of previous credit blips, perhaps a missed payment on a credit card, an O2 telephone bill turned into a default. These will impact your available products and available lenders but I often hear that people have been led to believe that they're going to need perhaps 15-20% deposit instead. That's not necessarily true and deposit doesn't need to be the reason for not going ahead. It could be you're just looking in the wrong place. 3) Your mortgage payment is based on the total value of the mortgage, the amount of time you're paying it back over and the interest rate being charged on top. Extending the term could be a good solution to bringing payments down at the moment. Like always, get in touch if you have any questions. Sometimes, the easy answer can solve your proble

Happy Halloween from all the team at Clark Mortgages 🎃 🧙🏻‍♀️ 👻 🍭 🍫

WHAT CAN WE HELP WITH? 🏡 🤔 Here at Clark Mortgages, we have a great team that help customers get their mortgage from A to B. We can help with all types of mortgages, life & home insurance. Based in Chester city centre. We can accommodate appointments via telephone, face-to-face and video calls. Weekends and evenings available ✅ Currently looking for a mortgage? Speak to the experts today! We have access to 1000's of rates and over 100 lenders 🏡 🔎 We offer a FREE no obligation initial appointment to understand your circumstances. Get in touch to see if we can help you! Contact us on: ✉️ Message us direct | [email protected] ☎️📱 Call 01244 554 030 | 07984 747 267 📱💻 www.clarkmortgage.co.uk YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

NEED HELP WITH YOUR MORTGAGE?... 🏡 Whether you are purchasing your first home, or purchasing your next dream home, talk to us! Whether you want to review your current mortgage deal to pay off some debts or borrow more capital to make some improvements to your property, we can help find the best deal for you! 😁 We can help with the following: 🏡 Residential Mortgages - First time buyers, Remortgages & Home Movers 🏡 Buy-to-Let Mortgages - First time landlords, Remortgages & Portfolios 🏡 Commercial Mortgages - Commercial properties & Semi-Commercial properties 🏡 Bridging Finance 🏡 Specialist Mortgages - Adverse credit, Self-employed & Second charge mortgages 🏡 Protection & General insurance We are on hand to help guide you through the mortgage process, product and rates available to your current circumstances. Stress-free process! Get in touch today to see how we can help you! Contact us on: ✉️ [email protected] ☎️📱 Call 07984 747 267 ☎️📱 Call 01244 554 030 📱💻 www.clarkmortgage.co.uk YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME #clarkmortgages #mortgages #remortgages #homemovers #firsttimebuyers #property #newhome #local #chester #buytolets #mortgageexpert #mortgageadviser