Elyse Church-Ford - Mortgage & Protection Adviser

PARENTS. CHILDREN NEED YOU!

Not all insurance is for adults.

Each year in the UK, around 4000 children and young people are diagnosed with cancer*.

Though we can't stop these horrible events from happening, we can spread awareness of the options to financially protect yourselves against money worries.
Why might you need children’s cover? On a successful claim, you’d get a tax‐free lump sum to help you through a difficult time.

The money might be put towards things like:
• Travel expenses to get treatment in hospital
• Adapting your home with equipment to aid recovery
• Childcare costs
• Helping make up for any lost income, if you have to stop working
• Taking your child and family on days out while they recover

It’s a contribution towards your family’s finances that you can use however you need.

If you have not looked at your insurance recently or are unsure of what you are covered for, we offer a service to review it. We can offer our advice and recommendations on what cover is needed or if there are any gaps in your current insurance.

*Data sourced from Cancer Costs, Young Lives Vs Cancer research sponsored by Guardian, September 2023.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS ON YOUR MORTGAGE

There may be a fee for mortgage advice. The amount you pay will depend upon your circumstances.

The Mortgage Centre is a trading name of Brook Financial Services Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

DON'T WAIT UNTIL IT'S TOO LATE...
..to sort your life insurance out!

63%* of adults in the UK do not have life insurance! People are happy to insure their phones, appliances and pets...but why does protecting your life get overlooked?

While we may avoid speaking about it, life insurance is there to give your family vital financial support if you died or were diagnosed with a terminal illness.

*Statistics sourced from https://www.directlinegroup.co.uk/en/news/brand-news/2022/05102022.html

The Mortgage Centre is a trading name of Brook Financial Services Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

Yesterday, the Bank of England Monetary Policy Committee voted to keep the base rate @ 5.25%.

This has put to an end 14 consecutive rate rises as it tries to slow down inflation. It may be good news for mortgage holders, as the end of rate increases could be near.

However, it is important to be aware that anything can change at the flick of a switch, so we would still advise you to secure your mortgage deal as soon as possible to avoid any disappointment.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS ON YOUR MORTGAGE

There may be a fee for mortgage advice. The amount you pay will depend upon your circumstances.

The Mortgage Centre is a trading name of Brook Financial Services Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

Getting a mortgage is likely one of the biggest financial commitments you'll ever take on.

Having the right protection in place means that if something happens to you, whether it's passing away or facing a critical illness, you will have financial peace of mind that your loved ones can continue living in the property without the worry of a mortgage hanging over them.

When was the last time you reviewed your Protection?

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS ON YOUR MORTGAGE

There may be a fee for mortgage advice. The amount you pay will depend upon your circumstances.

The Mortgage Centre is a trading name of Brook Financial Services Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

This is great news for First Time Buyers - NO DEPOSIT NEEDED!! 🎉

📞 07572 176592
📧 [email protected]

If you’re self employed and worried about what that means for getting a mortgage, let me help! 😊

📞 07572 176592
📧 [email protected]

WHEN IS THE BEST TIME TO REMORTGAGE?

Our recommendation is to start the process at the earliest opportunity - 6 months before you deal comes to an end.

This means that you have a deal secured in your back-pocket in a very uncertain market. If rates were to increase before completion, this can't be taken away from you. Whereas, if rates fall, we still have plenty of time to make these changes for you.

🟠⚫️www.mortgagecentreonline.co.uk⚫️🟠

🧡 EXISTING CLIENTS 🧡

If I have arranged a mortgage for you previously and you have a spare 2 minutes, I would be really grateful if you could leave me a Google Review please!

Link in the post below!

WE NEED YOUR HELP

We’re so grateful to have helped 1000’s of clients with their mortgages since opening our doors in 2006. We’ve also achieved over 180 5-star Google reviews in this time.

Now we need your help. We are on the push to reach 250+ Google reviews by the end of 2023.

We would really appreciate it if you could spare 2 minutes of your time to share your experience via the link below:

https://g.page/r/CTnRDePZACMVEBM/review

We would like to say a huge THANKYOU to everybody who has already taken the time to leave a review, we are blown away by the support we’ve received.

🧡🖤www.mortgagecentreonline.co.uk🖤🧡

Always lovely to receive client reviews 🥰🏡

Spring always seems to be a busy time in the industry and this year is no different!

I've had a lot of enquiries through this week from people looking to purchase their first property or move house so here are some ✨Top Tips✨ for you:

DO:

1. Establish a realistic budget (I can help you with this! ☺️)
2. Ask questions
3. Make a list of things you "must have" in your ideal property

DON'T:

1. Just rely on parents to give you financial advice (chances are they aren't aware of all of the options out there! 👀)
2. Rush
3. Forget about other costs (e.g. solicitors, stamp duty, surveys etc.)

If you think you would like to buy a property in the near future, get in touch and let me help you! 🧡🏡

The Mortgage Centre 🥰🧡

🏡🧡