A Move Brokers

🌟 Why Critical Illness Cover is Essential for You and Your Family 🌟

Hey friends and family,

I hope you're all doing well! Today, I want to talk about something that might not be on everyone's radar but is incredibly important: Critical Illness Cover.

Life can be unpredictable, and while we all hope for the best, it's crucial to be prepared for the unexpected. Here’s why having critical illness cover is a must for you and your loved ones:

Financial Security 💰: Critical illnesses can bring hefty medical bills and other expenses. A good policy ensures that you have the financial support to cover these costs without draining your savings.

Peace of Mind 🧘: Knowing that you have a safety net in place allows you to focus on recovery rather than worrying about financial burdens.

Support During Recovery 🏥: The lump sum payment from a critical illness policy can help cover not just medical bills, but also living expenses, mortgage payments, and other day-to-day costs while you or a family member is recovering.

Comprehensive Coverage 🛡️: Many policies cover a range of illnesses, including cancer, heart attack, stroke, and more. This means you're protected against several potential health issues.

Family Protection 👨‍👩‍👧‍👦: Critical illness cover isn't just for you. It can also provide coverage for your spouse and children, ensuring that your entire family is protected.

Flexibility 🔄: The payout from a critical illness policy can be used in any way you see fit, whether it's for medical treatment, lifestyle adjustments, or even a family holiday to recuperate.

No one likes to think about the possibility of falling seriously ill, but being prepared can make a world of difference. If you haven’t already, consider looking into critical illness cover for you and your family. It’s an investment in your peace of mind and financial security.

Stay healthy and take care! 🌿

01244 478780 / [email protected]
www.amovebrokers.co.uk

🏡💰 Unlock the Benefits of Making Overpayments on Your Mortgage! 💰🏡

Want to save money and pay off your mortgage sooner? Overpaying your mortgage is a smart move! Here’s why:

🌟 Benefits of Overpaying:
Save on Interest:

Lower Interest Costs: Reduce your outstanding balance faster and pay less interest over time.
Long-Term Savings: Even small, regular overpayments can lead to significant savings.
Pay Off Sooner:

Shorter Loan Term: Overpayments help you pay off your mortgage early, providing financial freedom.
Financial Security: Owning your home outright sooner gives you greater peace of mind.
Build Equity:

Increase Home Equity: Overpaying builds your equity faster, which is beneficial if you sell or refinance.
More Investment Options: Higher equity provides leverage for future investments or improvements.
Flexibility:

Flexible Payments: Many lenders allow overpayments without penalties.
Control Over Finances: Take charge of your financial future with strategic overpayments.
🔑 Get Started!
Check with your lender for any terms and conditions. Our mortgage experts are here to help you maximize the benefits of overpaying.

💬 Contact us today to learn more!
📞 [Your Contact Information]
🌐 [Your Website]

🌟 Benefits of a Lower Base Rate:
Lower Mortgage Payments:

Reduced Interest Rates: If the base rate goes down, many mortgage rates will follow, leading to lower monthly payments.
Refinancing Opportunities: Current homeowners can refinance their existing mortgages to take advantage of lower rates, potentially saving thousands over the life of the loan.
Increased Borrowing Power:

Affordable Loans: Lower interest rates make borrowing cheaper, allowing more people to qualify for home loans and other credit products.
Higher Home Affordability: Reduced monthly payments mean you can afford a more expensive home within the same budget.
Boosted Economy:

Consumer Spending: Lower interest rates can stimulate spending and investment, contributing to economic growth.
Business Investments: Businesses can also benefit from lower borrowing costs, leading to expansion and job creation.
Savings on Variable Rate Products:

Tracker Mortgages: Those on tracker rate mortgages will see their payments decrease as they directly follow the base rate.
Variable Rate Loans: Other variable rate loans and credit products will also become cheaper, providing additional savings.
💬 Stay Informed and Prepared!
Keep an eye on the upcoming base rate decision and be ready to take advantage of any changes. Our team of experts is here to help you understand how these changes can impact your finances and guide you through optimizing your mortgage and loan options.

📞 01244 478780 / [email protected]
🌐 www.amovebrokers.co.uk

✈️🏡 Navigating Expat Mortgages Made Easy! 🏡✈️

Are you living abroad but dreaming of owning property back home? Whether you're an expat looking to invest, purchase a holiday home, or secure a property for your future return, we can help you arrange the perfect mortgage.

🔑 Why Choose Us for Your Expat Mortgage?

Expert Guidance: Our team specializes in expat mortgages and understands the unique challenges you face.
Tailored Solutions: We offer personalized mortgage options to fit your specific needs and circumstances.
Competitive Rates: Access to a wide range of lenders means we can find you the best rates and terms available.
Smooth Process: We simplify the mortgage process, handling the paperwork and logistics so you can focus on your new home.
✨ Why Act Now?
Interest rates are favorable, making it an ideal time to invest in property. Whether you're looking to buy now or plan for the future, securing a mortgage while rates are low can save you money.

💬 Let's Make It Happen!
Get in touch with us today to discuss your expat mortgage options. We're here to provide expert advice and support every step of the way.

📞 01244 478 780 / [email protected]
🌐 www.amovebrokers.co.uk

🏡💡 Why Choose a Mortgage Broker Over a Mortgage Advisor? 💡🏡

Navigating the world of mortgages can be overwhelming, but choosing the right professional to guide you makes all the difference. Here’s why working with a mortgage broker is the smarter choice for your home financing needs!

🔑 Advantages of Using a Mortgage Broker:
Wider Access to Lenders:

Multiple Options: Brokers have access to a broad range of lenders and mortgage products, offering you more choices compared to a single mortgage advisor tied to one institution.
Better Deals: With extensive connections, brokers can often secure better rates and terms, saving you money in the long run.
Personalized Service:

Tailored Solutions: Brokers take the time to understand your unique financial situation and goals, providing customized mortgage options that best fit your needs.
Dedicated Support: Enjoy one-on-one guidance throughout the entire mortgage process, from application to closing.
Expertise and Experience:

Industry Knowledge: Brokers are seasoned professionals with in-depth knowledge of the mortgage market, helping you navigate complex scenarios with ease.
Problem-Solving Skills: They can identify and address potential issues before they become obstacles, ensuring a smoother application process.
Time and Effort Savings:

Convenience: Brokers do the legwork for you, comparing numerous products and handling the paperwork, so you can focus on finding your dream home.
Streamlined Process: Their expertise accelerates the mortgage process, helping you secure financing more quickly.
Objective Advice:

Unbiased Recommendations: Unlike advisors tied to a specific lender, brokers provide impartial advice, ensuring you get the best mortgage deal available.
Client-Centric Approach: Your best interests are their top priority, leading to more favorable outcomes for you.
💬 Ready to Find Your Perfect Mortgage?
Let us help you navigate the mortgage landscape with confidence. Contact us today to discover how our brokerage services can benefit you!

📞 01244 478780 / [email protected]
🌐 www.amovebrokers.co.uk

📉🏡 Unlock the Benefits of Tracker Rate Mortgages! 🏡📉

Looking for a flexible mortgage option that could save you money? Consider a tracker rate mortgage! A tracker mortgage might be the perfect fit for your financial goals.

🔑 Why Choose a Tracker Rate Mortgage?

Competitive Rates: Benefit from lower rates compared to fixed-rate mortgages when interest rates are down.
Potential Savings: As interest rates fall, your monthly payments could decrease, saving you money.
Flexibility: Enjoy more favorable terms and the ability to overpay without penalties, helping you pay off your mortgage faster.
📈 How Does It Work?
A tracker rate mortgage follows the Bank of England base rate plus a set percentage. This means your rate can fluctuate, but with the right planning, it can be a savvy financial move.

✨ Why Act Now?
Interest rates are at historically low levels, making now an excellent time to take advantage of a tracker rate mortgage. Our team is here to help you understand the options and find the best deal for your situation.

💬 Let's Get Started!
Contact us today to explore how a tracker rate mortgage can benefit you. We're ready to guide you through the process and help you make an informed decision.

📞 01244 478 780 / [email protected]
🌐 www.amovebrokers.co.uk

🏡🔒 Protect Your New Home with Comprehensive Home Insurance! 🔒🏡

Congratulations on your new home purchase! 🥳 Now that you've taken this exciting step, it's crucial to safeguard your investment with reliable home insurance. Ensuring your property and belongings are covered gives you peace of mind and protects you from unexpected events.

🔑 Why Home Insurance is Essential:

Protection Against Damage: Cover repairs or rebuild costs due to fire, storm, theft, or other damages.
Personal Belongings: Safeguard your valuables against loss or damage.
Liability Coverage: Protect yourself from potential legal claims if someone is injured on your property.
Peace of Mind: Enjoy your new home knowing you're financially protected.
✨ How We Can Help:

Tailored Solutions: We offer personalized insurance plans to meet your specific needs and budget.
Expert Advice: Our knowledgeable team is here to guide you through the process and answer all your questions.
Quick and Easy Setup: We'll help you get your insurance in place quickly so you can focus on enjoying your new home.
Don't leave your new home unprotected! Reach out to us today to discuss your home insurance options and ensure you have the coverage you need.

💬 Get in Touch:
📞 01244 478780 / [email protected]
🌐 www.amovebrokers.co.uk

🏡 Property Purchase Example 🏡

Purchase Price - £160,000
Loan amount - £144,000
Monthly payment - £839.43 (2 year fixed)
Monthly payment - £786.28
90% Loan to Value
Rate - 5.74% - 2 year fixed
Rate - 5.15% - 5 year fixed
Valuation fee - £100
No arrangement fee
30 year term

This is an example above for a first time buyer purchasing a property which is one of our clients.

Although there are many lenders to compare against, each lender have their own criteria which would fit the clients circumstances and personal life that will play into a positive way for a client to go with this lender.

We're more than happy to discuss things whether you're purchasing a property or even a re-mortgage, bridging finance or commercial mortgages.

📞 01244 478780
🌐 www.amovebrokers.co.uk
[email protected]

📢🏡 Attention Homeowners! 🏡📢

Is your mortgage currently on a Standard Variable Rate (SVR)? If so, now is the perfect time to secure a fixed rate and potentially save thousands!

🔑 Why Switch to a Fixed Rate?

Stability: Enjoy consistent monthly payments, making it easier to budget.
Potential Savings: Fixed rates are often lower than SVRs, which can mean significant savings over time.
Peace of Mind: Protect yourself from potential interest rate hikes in the future.
🔍 Don't Miss Out!
Mortgage rates are at an all-time low, and locking in a fixed rate now can provide you with financial security and peace of mind. Our team of mortgage experts is here to help you find the best deal tailored to your needs.

💬 Get in Touch Today!
Contact us to discuss your options and take the first step towards securing a more stable and affordable mortgage. We're here to guide you every step of the way!

📞 01244 478780
🌐 www.amovebrokers.co.uk
[email protected]

🛡️💙 Protect What Matters Most 💙🛡️

Life is unpredictable, but your family's future doesn't have to be. Having critical illness cover ensures you and your loved ones are financially protected if the unexpected happens. 🌟

🔑 Why Critical Illness Cover?

Financial Security: Provides a lump sum payout if you're diagnosed with a serious illness, helping to cover medical expenses, mortgage payments, and everyday living costs.
Peace of Mind: Focus on recovery without the added stress of financial burdens.
Family Protection: Ensure your family is taken care of, no matter what.
🌟 Don't Wait
The best time to get covered is NOW. The younger and healthier you are, the more affordable your policy will be. Secure your family's future today and rest easy knowing you're prepared for whatever life throws your way.

💬 Let's Talk!
Get in touch to learn more about how critical illness cover can benefit you and your family. Your health and well-being are too important to leave to chance.



📞 01244 478780
🌐 www.amovebrokers.co.uk

🏅🎉 Alzheimers Society Charity Walk 🏅🎉

On Saturday 29th of June, I completed a charity walk of walking 13 miles (ended up being more than 14 in the end according to Strava) and did this in just a little over 4 hours. 👟

It's a special charity to me because my Nain passed away from this cruel illness and I will continue to support the charity.

I'd like to thank everybody who donated to the page and for this great cause and I'll let you know on the next challenge I do, looking forward to it!

Love, Len

🏡📉 Exciting News for Homebuyers and Homeowners! 📉🏡

Mortgage rates have just dropped, making it the perfect time to secure your dream home or refinance your current mortgage! Whether you're a first-time homebuyer or looking to save money on your existing mortgage, now is the moment to act.

💰 Why Now?

Lower Rates = Lower Payments: Enjoy more affordable monthly payments and save money over the life of your loan.
More Buying Power: With reduced rates, you can afford more house for your budget.
Refinancing Opportunities: Cut down your interest costs and possibly shorten your loan term with a refinance.

✨ Why Choose Us?

Personalized Service: We tailor mortgage solutions to fit your unique needs and financial situation.
Expert Guidance: Our team of experienced mortgage advisors is here to help you navigate the process smoothly.
Quick and Easy Process: We streamline the mortgage application process to get you into your new home faster.
Don't miss out on this incredible opportunity! Send us a message or give us a call today to explore your options and take advantage of these historically low rates. Your dream home is closer than you think! 🏠🔑



📞 01244 478780
🌐 www.amovebrokers.co.uk
[email protected]

A Move Brokers | Mortgage Broker & Mortgage Advisors Chester, Cheshire Based in Chester city centre in Cheshire, our mortgage advisors offer expert advice for residential and commercial needs. Book a free consultation today!

Home Qualified professional mortgage brokers Chester who can help you with your mortgage & protection insurance needs. Exclusive rates not available elsewhere

🏠 Example of purchasing your first property 🏠

Looking at purchasing your first property? here is an example below of what monthly payments will look like with the lender which currently offers the best product.

- Purchase Price - £150,000
- Loan amount - £135,000
- 90% Loan to Value
- Monthly payment - £781.35
- 25 Year term - Fixed for 5 Years
- Cashback - £500
- Arrangement fee - £999 (can add to the loan for minor monthly payment increase or pay upfront)
- Free valuation

There are always other options for 2 or 3 year fixed options too which we'll be more than happy to discuss. Please be aware that the above rates are for First Time Buyers.

We can arrange all types of mortgages with us being directly authorised.

[email protected]
www.amovemortgage.co.uk
01244 478780

Home Qualified professional mortgage brokers Chester who can help you with your mortgage & protection insurance needs. Exclusive rates not available elsewhere

To find the best first-time buyer mortgage rates, you should contact A Move Brokers on 01244 478780 and we will research the market and compare, and we look at over 100 from different lenders.

Some lenders may offer special incentives or lower rates for first-time buyers, while others may have specific programs designed to assist them.

It's also essential to consider other factors besides the interest rate, such as the terms and conditions of the mortgage, any fees associated with the loan, and the overall reputation and customer service of the lender.

To get personalised quotes and explore your options, please contact our specialist team of mortgage brokers. Rates are as low as 4.62% fees may apply. This rate applies to a 90% loan to value mortgage

Your home may be repossessed If you do not keep up repayments on a mortgage or other loan secured on it.

Definitely need to consider contact me for free advice. Sharon owens 01244 478780

🛡️ Safeguarding our Loved Ones: A Priority Above All Else! 🛡️

Dear Friends and Family,

In a world full of uncertainties, there's one thing that remains constant - our unwavering commitment to protect our loved ones. 👨‍👩‍👧‍👦💖 Whether it's shielding them from life's unexpected twists or ensuring their well-being through thick and thin, nothing is more paramount.

That's why I wanted to take a moment to emphasize the importance of having comprehensive insurance coverage for our families and children. 🏠💼 Because life can throw curveballs when we least expect it, and having that safety net in place can make all the difference.

From health to home, auto to education, there are myriad ways insurance can offer peace of mind and financial security. 💪 But it's not just about protecting assets - it's about safeguarding our most cherished treasures: our loved ones.

So, let's take proactive steps to shield our families from the unforeseen. Let's ensure that no matter what life throws our way, they remain protected and cared for. 💙

If you have any questions or need guidance on finding the right insurance plan for your family's needs, feel free to reach out. Together, we can build a stronger, safer future for those we hold dear. 🌟

🏡 Attention Homeowners: Important Notice About Remortgaging! 📈

Dear valued clients,

We hope this message finds you well. As your trusted mortgage advisors, we wanted to bring your attention to recent changes in interest rates that may impact your mortgage.

In recent months, there has been an increase in interest rates, affecting mortgage deals across the board. This means that if you're currently on a fixed-rate deal or nearing the end of your introductory period, now is the time to consider remortgaging to secure a better rate and potentially lower your monthly payments.

Why should you consider remortgaging now?

✅ Lock in a Lower Rate: With rates on the rise, remortgaging now could help you secure a lower interest rate, potentially saving you thousands of dollars over the life of your mortgage.

✅ Financial Security: By taking advantage of lower rates, you can enjoy greater financial stability and peace of mind knowing that your mortgage payments are more manageable.

✅ Access Equity: Remortgaging also provides an opportunity to access equity in your home for renovations, debt consolidation, or other financial goals.

Don't wait until it's too late! Our team of expert advisors is here to help you navigate the remortgaging process and find the best deal tailored to your needs.

Get in touch with us today to schedule a consultation and take the first step toward securing your financial future.

https://www.theguardian.com/business/2024/jan/21/99-per-cent-mortgage-scheme-uk-housing-market-ministers

Ministers’ 99% mortgage idea could overheat UK housing market, say experts Scheme to support first-time buyers that would appeal to young voters reportedly being considered by No 10

🏡✨ Planning to buy your dream home? 🏡✨

Hey friends! 🌟 Just wanted to drop a quick note about something super important when you're diving into the world of mortgages and homeownership – LIFE INSURANCE! 🛡️💼

Did you know that having a solid life insurance policy is CRUCIAL when taking out a mortgage? Here's why:

1️⃣ Protect Your Loved Ones: Life is unpredictable, and we can't foresee what the future holds. Having life insurance ensures that your loved ones are financially protected in the event something unexpected happens to you. They won't be burdened with the mortgage payments.

2️⃣ Safeguard Your Investment: Your home is likely the biggest investment you'll make. Life insurance helps safeguard that investment by covering the outstanding mortgage amount, allowing your family to keep the house without the financial strain.

3️⃣ Peace of Mind: Knowing that your family won't be left struggling to make mortgage payments if something happens to you provides immense peace of mind. It's an essential part of responsible homeownership.

4️⃣ Easier Qualification for a Mortgage: Some lenders may even require life insurance as a condition for approving your mortgage. Having a policy in place can make the mortgage approval process smoother.

So, if you're in the process of getting that mortgage for your dream home, take a moment to review your life insurance needs. It's a small step that can make a HUGE difference for your family's future! 🌈💖

Feel free to reach out if you have any questions or need guidance. Let's make sure we're building our futures on a solid foundation! 🏡🔐💪

🏡 Seize the Moment: Lock in Your Dreams with Decreasing Mortgage Rates! 📉💼

Hello, fabulous friends and future homeowners! 🏠✨

Exciting news in the world of real estate – mortgage rates are on the decline! 📉✨ Now is the perfect time to turn your dreams of homeownership into reality and secure a new deal that puts your future in focus.

Why act now?

🔒 Lowest Rates in Years: With mortgage rates now decreasing, there has never been a better time to invest in your dream home. Seize this golden opportunity to lock in a rate that could save you thousands in the long run.

📈 Financial Advantage: Decreasing rates mean more affordability. Imagine the financial freedom that comes with lower monthly payments – it's not just about buying a house; it's about building a secure financial future.

🚀 Invest in Your Future: Real estate is a powerful investment. Take advantage of the current market conditions to secure a deal that not only meets your needs today but sets the stage for long-term financial success.

Ready to make your move? 🚀🏡 Our team at A Move Brokers is here to guide you through the process, ensuring you get the best deal tailored to your goals.

Don't let this opportunity slip away! 🌟🔐 Reach out to us at [Your Contact Information] and let's start the journey to homeownership together.

🏠💙

New year, new fixed rate…..

As we welcome in the new year there is no better time to get your finances in order and secure your new mortgage product today. If your current fixed mortgage rate is coming to an end in the next 7 months we can help you.

Over the past few weeks lenders have been reducing their mortgage rates which is a breath of fresh air for both brokers and our wonderful clients. A Move Brokers are directly authorised and are whole of market mortgage brokers so we have access to hundreds if different lenders so we can make sure we are getting you the best deal. Whether this be a like for like remortgage or if you require any additional borrowing for example for home improvements we can talk you through the different options and guide you every step of the way. We will then continue to monitor the rates until completion to ensure you are still getting the best deal if the rates reduce again.

Don’t delay remortgage today!

01244 478780
[email protected]
www.amovebrokers.co.uk

www.amovebrokers.co

Happy new year to all our clients at A Move Brokers wishing you all an amazing 2024

** Update on Inflation and Impact on mortgage rates**

The UK’s annual inflation rate fell sharply to 4.6% in October on the back of cheaper gas and electricity, its lowest level for two years.

Marking the steepest single month decline in the consumer prices index (CPI) since 1992, the fall from 6.7% in September also beat the 4.8% figure predicted by a poll of economists for Reuters.

The decline does not mean prices are going down, only that they are rising less rapidly. Nevertheless, the reading is expected to ease fears that the Bank of England will increase interest rates again this year, despite being more than twice its 2% target.

This means that with the inflation being reduced dramatically recently, the mortgage rates will follow suite in the coming months which is better for clients.

Although your mortgage rates are coming to the end of the fixed rate or some of you may already, contact us for assistance.

01244 478780
[email protected]

A Move Brokers | Mortgage Broker & Mortgage Advisors Chester, Cheshire Based in Chester city centre in Cheshire, our mortgage advisors offer expert advice for residential and commercial needs. Book a free consultation today!

Free mortgage advice 01244 478780

A Move Brokers | Mortgage Broker & Mortgage Advisors Chester, Cheshire Based in Chester city centre in Cheshire, our mortgage advisors offer expert advice for residential and commercial needs. Book a free consultation today!

After the latest news regarding people being behind on mortgage payments, 25% of the country are now being on their payments which is sad because of the cause of massive increases in interest rates.

These have started to come down now due to the inflation levels decreasing which should balance things out.

You may be on a standard variable rate and not know it, many people it shows are and haven't yet re-mortgaged with a new lender, we're here to help with that.

Contact us on the information below for assistance.

www.amovebrokers.co.uk
01244 478780
[email protected]

A Move Brokers wish to thank our Clients for our beautiful flowers delivered today 😊

Clients have recently been getting in touch with us regarding their home insurance policies after the severity of the floods across the UK, we've been able to assist clients with their insurance that they previously took out with ourselves.

Although instances like this are rare in the UK, it is always important to look at obtaining home insurance for your property in the event of something such as a flood or strong storms that could destroy homes.

We're more than happy to obtain quotes and instruct such policies for you, get in touch with us today for more information.

www.amovebrokers.co.uk
01244 478780
[email protected]

A Move Brokers | Mortgage Broker & Mortgage Advisors Chester, Cheshire Based in Chester city centre in Cheshire, our mortgage advisors offer expert advice for residential and commercial needs. Book a free consultation today!

A Move Brokers | Mortgage Broker & Mortgage Advisors Chester, Cheshire Based in Chester city centre in Cheshire, our mortgage advisors offer expert advice for residential and commercial needs. Book a free consultation today!