Ashutosh Mathur at Charles Derby Mortgage Bureau Limited

Buying your first home? Don't pay more than you need to

With access to the whole of the mortgage market, we can search thousands of mortgage products to present you with the most suitable deals, helping you make a success of your investment. It’s certainly true that investing in property is much tougher than it once was, but whether you’re hoping to become a landlord for the very first time or already have a number of properties in your ever-growing portfolio, we can help you understand and assess the options available.

Whatever your chosen product, we will maximise your monthly income whilst capturing long term capital growth, and with some great rates on offer, we will help you better plan your portfolio.



https://bit.ly/CharlesDerbyMB

An article in the Guardian said that "By 2040, older people will be spending 63p in every pound spent in the UK economy – up from 54p in 2018. Older people are spending their money right across the economy, the report found, but the top three growing sectors were recreation and culture, transport and household goods and services." However, has the Coronavirus changed how we spend our money?

Yes, during the pandemic we have been focusing our attention on improving our homes and gardens so borrowed money to reinvest in our continued comfort. Many people in later life have also been helping their extended family take advantage of the Stamp Duty Holiday to get onto the property ladder.

Later Life Lending, a generic term that means borrowing money, secured against a residential property, past normal retirement age for various reasons. Normally for those age 55+ although we know of one lender who will consider 50+ applicants.

To find out about the options available go to our website https://bit.ly/CharlesDerbyMB

How has Covid19 impacted mortgages and protection?

How has Covid19 impacted mortgages and protection? - Insights and updates from the team at Quilter Financial Planning - Omny.fm Joining Quilter’s Gemma Harle and Charlotte Nixon are Jeremy Duncombe from Yorkshire Building Society and Chris Kane from Royal London.  They clarify how Covid19 has changed the availability of mortgages and protection products whether you’re looking to move or not, mortgage holidays, protectio...

Stamp Duty holiday demanded by another industry body

Stamp Duty holiday demanded by another industry body Another body has joined the call for a stamp duty holiday to help resuscitate the housing market following the Coronavirus standstill.

UK lenders to grant 1.2m mortgage deferments

UK lenders to grant 1.2m mortgage deferments One in nine households get payment holiday but concern grows for their future credit rating

Payment holiday is top search term in residential mortgages

Payment holiday is top search term in residential mortgages | Mortgage Introducer Beyond the payment holidays, residential mortgage search terms continued as normal in March, with ‘maximum age at end of term’ in second place.

Find out if a mortgage payment holiday is right for you

Find out if a mortgage payment holiday is right for you - Your Money MoneySuperMarket has launched a calculator to help borrowers understand what a mortgage holiday could mean for their future monthly repayments.

Owning a home is a fifth cheaper than renting

https://www.yourmoney.com/mortgages/owning-a-home-is-a-fifth-cheaper-than-renting/?fbclid=IwAR2ynVjakBVcZjAnImYBqsnh884d3w0YslokJUre8h2m-EzJu9jtNuBA7Kg

What to expect from the 2020 mortgage and property market

https://www.yourmoney.com/mortgages/what-to-expect-from-the-2020-mortgage-and-property-market/

What to expect from the 2020 mortgage and property market - Your Money As the new year and new decade roll in to play, we ask three mortgage and property experts about what homebuyers can expect to see in 2020.

How did house price inflation in the last decade compare to the 1980s, 1990s and 2000s?

https://www.thisismoney.co.uk/money/mortgageshome/article-7864489/How-did-house-price-inflation-2010s-compare.html

How did house price inflation in the 2010s compare? The 2010s were the weakest decade for house price growth since the 1990s, new research has revealed.

Brits putting off buying a home because of Brexit - Your Mortgage

Brits putting off buying a home because of Brexit

https://www.yourmortgage.co.uk/news/brits-putting-off-buying-a-home-because-of-brexit/

Brits putting off buying a home because of Brexit - Your Mortgage

Bank of England forecasts low-interest rates for longer

Bank forecasts low interest rates for longer Policymakers say the UK will avoid recession this year, but Brexit is still weighing on the economy.

Do you know your rights when it comes to tradespeople?

https://www.themoneypages.com/useful-guides/rights-tradesperson-lets/

What are your rights if a tradesperson lets you down? Tradesperson not fulfilled the contracted job? Not satisfied with their work? Amanda Hamilton, CEO of the National Association of Licenced Paralegals (NALP), offers some advice on what you can do

What would your house insurance cover?

Feel free to contact me to get the best advice on your house insurance

https://www.theguardian.com/money/2019/aug/10/home-insurance-house-wrecked-flood-aa

Home insurance: ‘Our house was wrecked. But the AA only offered us £4,270’ A couple returning from holiday found their house devastated by a flood. Their problems were just beginning

The majority - 85% - of homeowners have updated their property, but what did they do?

https://www.yourmortgage.co.uk/insurance/the-top-10-home-improvements-in-the-last-five-years/

The top 10 home improvements in the last five years - Your Mortgage The majority - 85% - of homeowners have updated their property in the last five years

Almost a million public sector workers including teachers, doctors, police officers, and soldiers, have been handed an above-inflation pay rise.

https://www.yourmoney.com/household-bills/above-inflation-pay-rises-for-public-sector-workers/

Above-inflation pay rises for public sector workers - Your Money Almost a million public sector workers including teachers, doctors, police officers, and soldiers, have been handed an above-inflation pay rise.

Energy bills to soar by up to £400 for millions of households by September

https://www.independent.co.uk/news/business/news/energy-suppliers-bills-rise-variable-tariffs-end-a9012066.html

Energy bills to soar by up to £400 for millions of households by September Average increase will be £269 per affected household, but those supplied by iSupply, Ovo and Green Network Energy will see even greater hikes of £439, £367 and £342 respectively

Gender protection gap revealed as men’s cover nearly double women’s

IRESS reveals large "gender protection gap" - Mortgage Strategy The divide in average protection sales between men and women reveals a significant gender gap in cover, according to data collected by IRESS. The average sum assured over a three-year period for critical illness cover for men was £10,985.88, while for women, £5,790.17. Looking at life and critical...

All newly-built houses will be sold on a freehold rather than leasehold basis and ground rents on new leases will be reduced to zero, the government has announced.

https://www.moneywise.co.uk/news/2019-06-28/leaseholds-banned-all-new-build-houses

Leaseholds banned on all new-build houses All newly-built houses will be sold on a freehold rather than leasehold basis and ground rents on new leases will be reduced…

Boris suggests more needs to be done to help people buy their own home

https://www.bbc.co.uk/news/av/uk-politics-48781136/boris-johnson-too-many-people-cannot-get-the-housing-they-need?intlink_from_url=&link_location=live-reporting-map

More than 1 in 10 people in the UK now own second homes

https://www.bbc.co.uk/news/business-48637484

Second home ownership soaring More than one-in-10 people in the UK now own second homes, buy-to-let and overseas properties.

Ashutosh Mathur at Charles Derby Mortgage Bureau Limited updated their phone number.