Craig Holden Mortgage Advisor

A lovely gift from one of my customers recently - never expected but always appreciated - thank you! A pleasure to help.

Please get in touch for a chat on how you can protect yourself and your family 🧑‍🧑‍🧒‍🧒

Did you know that 1 in 3 men will develop cancer in their lifetime, and men on average live around 5 years less than women? 🚹

If you don’t have life and critical illness protection, or haven’t reviewed it for a while, please give us a call.



*image credit to https://menshealthmonth.org/mediacenter/social-media-toolkit
As with all insurance policies, conditions and exclusions will apply.

Get in touch for a chat about your circumstances ☎️

Thinking of using a remortgage to pay off your credit cards and debts? 🏠💳

It can be a savvy financial move for some, but it's not without its drawbacks. Before you decide, consider the pros and cons:

Pros:

✅ Lower Interest Rates - A remortgage could offer a lower interest rate compared to high-interest credit cards, potentially saving you money in the long run.

✅ Single Monthly Payment - Simplify your finances with one manageable monthly payment instead of several.

✅ Improved Cash Flow - Free up some monthly income by reducing the amount you pay towards debts.

Cons:

❗ Long-Term Costs - Spreading the repayment over the term of a mortgage could mean paying more interest over time.

❗ Home at Risk - Remember, you're securing debt against your home. If you can't keep up with payments, your home may be at risk.

❗ Fees - Watch out for any fees associated with remortgaging that might impact the cost benefits.

Think carefully and seek financial advice to make sure it's the right step for your situation.

Need more info? Drop us a message or comment below! 👇



You may have to pay an early repayment charge to your existing lender if you remortgage.
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.

How long does the whole remortgage process take from start to finish?

The remortgage process typically takes from 4 to 8 weeks after you apply. However, it can take longer so it’s a good idea to factor in extra time.

We advise that we lock in a deal for you around 6 months before your current deal is due to end. If rates go up during those 6 months, you can sit happy knowing that you have the deal we locked in for you 6 months ago! 😊



You may have to pay an early repayment charge to your existing lender if you remortgage.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Let’s talk about Insurance!

❓❓ If you have a pet, do you have pet insurance?... Of course you do.

Why?... Because you love them and want to provide them with the care they need in the event of a serious illness or accident.

❓❓ So let me ask you, do you love your home?

❓❓ So why wouldn’t you have critical illness insurance?

This would provide you with a lump sum payment in the event of a critical illness, which you could use to pay off your mortgage and even provide additional funds to help you make adaptions to your home should you need to.

The last thing you would want to do is loose your home or have to sell it as it’s no longer suitable for you, whilst dealing with having a critical illness.

Get in touch for a quote today!

As with all insurance policies, conditions and exclusions will apply.

Do you worry that your credit history may stop you being able to buy the property you want? Or are you worried you won’t be able to re-mortgage your current property due to prior credit problems?

One of the great things with being fully independent with across market access is that we have access to mortgages for all needs and circumstances.

So get in touch today to discuss your options, you may be surprised what is available to you!

Risk warning: Your home may be at risk if you do not keep up with your mortgage payments. You may need to pay an early repayment charge should you leave your current mortgage provider.

Do you feel that you can’t afford a mortgage due to the high interest rates? Despite recent increases to the Bank of England Base Rate, the interest rates actually being offered by lenders have fallen significantly over the last few months.

It has been a wonderful feeling these last few weeks to let my customers know that their monthly payments are going to be substantially lower than they originally thought.

Maybe your new home is closer than you think!

Please get in touch to find out what’s available for your circumstances ☎️

Risk warning: Your home may be repossessed if you fail to keep up with your mortgage repayments. You may need to pay an early repayment charge if you leave your current lender.

The benefits of personal mortgage advice:

• Information tailored to the particular needs and requirements of your individual situation.
• Specialist knowledge of issues which could hinder an application - this could range from affordability to unusual construction types.
• Liasing with lenders & underwriters to navigate particular criteria.
•Finding the best mortgage FOR YOU. The best rate according to an online comparison site may not be the best for you. The cheapest rate is no good if you go through the application process only to find your situation does not meet the lender's criteria.
•Guidance throughout the whole process, whether you're a first time buyer or looking to remortgage.
•Finding the best mortgage for you from across the market. Advice is unbiased and not just limited to one lender.
• Life insurance, income protection & critical illness cover to supplement your mortgage if required.

Please get in touch for a no obligation assessment of your circumstances.

Risk warning: You’re home may be repossessed if you fail to keep up with your mortgage repayments. You may need to pay an early repayment charge if you leave your current lender.

Happy new year to all my customers and followers, wishing you all a good 2024 🎆🥳

Merry Christmas everyone 🎄🎄 # #

Merry Christmas to all our friends, family, followers and clients!

Have an amazing day with your loved ones.

Your home may be repossessed if you do not keep up repayments on your mortgage

If you think remortgaging might be for you, the team and I at Full Circle Mortgages will be happy to help.

Homeowners!

Could you reduce your monthly outgoings by remortgaging and consolidating your high APR loans and credit cards into one monthly payment?

Contact us to see how we could help.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Think carefully before securing any other debts against your home.
You may have to pay an early repayment charge to your existing lender if you remortgage

The Martin Lewis Money Show Live has a Mortgage Special tonight, 8pm, ITV. 📺

(Remember to seek personalised advice for your circumstances).

Are you looking to raise capital for home improvements or to buy another property but don't know where to start? Maybe you are looking to raise funds from your home to pay off your Help to Buy loan?

Full Circle Mortgage Services could help you remortgage your property to free up the equity you need. With access to hundreds of mortgage products, they can help secure competitive rates and terms for your circumstances.

Get in touch with us today to see how much money you could release from your property.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Think carefully before securing any other debts against your home.
You may have to pay an early repayment charge to your existing lender if you remortgage

This is really great news. Please get in touch for further details……..

Yesterday the Bank of England increased the Base Rate to 4% in what was an expected move to help keep a check on inflation.

It’s important to understand however that whilst the media headlines can seem scary, what is often overlooked is that the interest rates actually offered by lenders continue to fall since the peak in early autumn.

So whether you’re looking to purchase your first home, move to a new property or you'd like to find a new deal for your current mortgage, the market is still open for business and I am here to help. It may just be more affordable than you believe.

Please get in touch for a no obligation assessment of your circumstances.

Risk warning: You’re home may be repossessed if you fail to keep up with your mortgage repayments. You may need to pay an early repayment charge if you leave your current lender.

Struggling to get a mortgage?

Some first time buyers under or over estimate how much they can borrow. Lenders will usually lend around 5 times the amount of an applicant(s)'s income. The
"times (x) salary" amount could be higher or lower however, depending on level of income & deposit. So if you earn £25,000 a year and hope to buy a property over £125,000 (average UK house price now £296,000) you can see how important deposits are in your purchase ability, to cover the rest of the purchase price.

In the current cost of living climate, saving for a deposit is no easy task, but having an idea of what may be available to you can help you realise a realistic position of your buying potential.

If you'd like to discuss your current options or possibilities for the future, please get in touch for a no-obligation chat.

____________________________________

Risk warning: Your home may be repossessed if you do not keep up repayments.

House price data from ONS correct as of Oct 22.

The Bank of England meet tomorrow, and there is a strong indication that they will raise the base rate again. However, it’s important to understand that this does not reflect what we have seen in the mortgage market in recent weeks- where interest rates offered by lenders have fallen substantially since the peak in early autumn, due to increased confidence in base rate stability.

So whether you’re looking to purchase your first home, moving to a new property or you'd like to find a new deal for your current mortgage, the market is still open for business and I am here to help.

Please get in touch for a no obligation assessment of your circumstances.

Risk warning: You’re home may be repossessed if you fail to keep up with your mortgage repayments. You may need to pay an early repayment charge if you leave your current lender.