Izzi Warner Mortgage & Insurance advisor-Pims

📣📣FIRST TIME BUYERS📣📣

STOP AND READ THE BELOW 👇🏻

If this is your year to buy your first home and put your hard earned deposit to use? Then it is essential you speak to a mortgage advisor to establish how much you are able to borrow and if a mortgage is accessible to you.

Lots of first time buyers are missing out on their dream homes because they aren’t prepared ❌

If this is you then, speak to a professional to help ✅

Contact details in my bio 📞📧

Come down and see us at the Crossgates hub for some advice on your mortgage, we’re here until 12 🏠💷

Pop in and see us, no appointment needed! Crossgates hub inside the shopping centre on Thursday 🎄

Do you have a mortgage? Are you one of the thousands of people affected by the mortgage hike? Do you require advice, support or have a question that you would like answering?

We will be joined by PIMS in the hub on Thursday 22nd December from 10am until 12pm.

Please drop in for your questions answering - no appointment required.

💷🏠MORTGAGE RATES HAVE DECREASED 🏠💷

This week we have seen some lenders decrease their rates.

The media are quick to publish when rates have increased but what they don’t mention is when they come down, here’s some positives about the mortgage market right now-

ℹ️we have seen some lenders decrease their rates

ℹ️there is still a wide range of mortgages available across the market for a wide range of customers

ℹ️5% deposit mortgages are still available

ℹ️lenders are dealing with applications quicker than before

Get in touch if you want to talk about your mortgage 🏠

Comment any questions or save this post for later 👇🏻

Huge thank you to a lovely couple who sent me these after completing on the purchase of their new home last week 🌸

I love seeing people move in to their new homes and being a small part of their journey 🥰

Get in touch if you are thinking of making that next big purchase 🏠🔐

📧 [email protected]

⭐️⭐️⭐️⭐️⭐️CLIENT REVIEW⭐️⭐️⭐️⭐️⭐️

Kicking off my first insta post in a while with a lovely review from my client.

Reviews like this make all the hard work worthwhile 🤗

If your fixed rate is coming to an end or you are making your first or next big purchase, please get in touch 🏡

Watch this space for some more content coming your way 🙌🏻

📧 [email protected]
📞0113 320 6222

AM I SUITABLE FOR INCOME PROTECTION?

If you fall in to any of these categories above then you may be eligible for income protection.

People take out insurance for every day items like our phones, cars or cover for every day appliances. But forget to protect the one thing that pays for it all…your income!

Some common misconceptions:

-You don’t need to be a homeowner to be eligible, if you rent you it could be for you.

-If you’re employed or self employed you could be eligible.

-you receive sick pay, you could still be eligible!

Income protection can be tailored completely to your individual needs and budget depending on your circumstances.

Please get in touch if you would like some more info or a no obligation quote, contact details are in my bio 📞📧

Or feel free to comment any questions below 👇🏻

HAPPY NEW YEAR 🥳

I would just like to say a really heartfelt thank you to all my followers and people who have supported me on my new journey this year. To all my clients who have put their trust in me to help them on their journeys too 🥰 I appreciate all of you!

Wishing health and happiness to all for 2022,

Love,
Izzi x

The Bank of England has raised interest rates for the first time in more than three years, in response to calls to tackle surging inflation.

The interest rate is set to rise from 0.1% to 0.25%

This doesn't mean the banks will automatically change their interest rates, but this is an indication that it could happen. Don’t delay reviewing your mortgage or miss out on the fantastic rates that are currently on offer.

Get in touch to see if I can help you 💁🏻‍♀️

Contact details in bio 📞📧

Did you know you can secure your new mortgage rate as early as 6 months before your current product ends?

If your fixed rate or current deal is coming up for renewal there is no time like the present to secure a new rate!

Finding the right deal can be tricky and feel overwhelming- having a mortgage advisor can give you peace of mind that you’re getting the right advice.

If anyone has any questions or wants my help feel free to in touch 🙋🏻‍♀️

PAY DAY LOANS 💰

Having a pay day loan may feel like a quick solution to a short term problem, but having a pay day loan can delay your chances of being accepted for a mortgage for up to a year!

Think twice before taking these loans out, especially if you are considering taking out a mortgage in the near future.

If anyone has any questions feel free to comment or drop me a DM 🤗

Get in touch to see if I can help you 🏡

Contact details in my bio 📞📧

Speaking to an advisor- if you are considering moving is essential. Find out how much you can borrow, how much it’s going to cost and your chances of being accepted for a mortgage.

Budget- think about how much you would like to spend/how much you can afford in monthly living costs and start to budget.

Finances- do you use your overdraft and exceed your limit? Do you make all your bill payments on time? Lenders will look at your bank account conduct and your ability to make repayments on time. This will have an impact on where and if you can get a mortgage.

Deposit- How much have you got and how much would you need to put down on your purchase and how much would you need to borrow.

Costs- things to consider are solicitors fees, stamp duty, estate agents fees, removal costs. These are some of the additional costs of moving house, don’t have any nasty surprises look in to this see how much it’s going to cost and factor this in to your budget.

I’m sure many of you will have seen ‘Martin Lewis money show live’ last night and heard his theory on potentially rising mortgage interest rates.

Mortgage rates currently are still low, now is a good time to review your mortgage!

Get in touch to see how I can help, contact details on my bio 📧📞

How lovely is this kitchen? Do you want to make improvements to your home but don’t have the money to do so?

Did you know you may be able to release funds out of your home to fund renovations 🔨👷🏻‍♀️

Get in touch if you would like more information, details in my bio 📧📞

**your home may be repossessed if you don’t keep up repayments**

DO’S

-Making late payments can affect your chances of getting a mortgage with high street lenders, there are lenders who will look at applications where there has been late payments however these are often more expensive than the high street.

-although as an advisor I can help with your budget, it’s important to first think about how much you can afford to or would like to spend monthly with your lifestyle and bills taken in to account.

-when applying for a mortgage, you will need to submit your bank statements, payslips, a copy of your credit file (I recommend check my file as this covers 3 major credit reference agency’s) have this in mind when you are thinking about the process and how easy these will be to access.

DONT’S

-gambling doesn’t automatically mean you won’t be able to get a mortgage, but consider how much are you spending on this? Something to think about is the frequency/amount of these payments and how this stacks up against your account conduct and income. Winnings are not considered!!

-using your overdraft is not viewed as badly as it once was, however exceeding your agreed limit may indicate you are in financial distress and not managing your money.

-taking out debt such as a purchases using credit cards, getting a new car on finance or furniture on finance are all things that will have an impact on the amount of money you can borrow on a mortgage. So once you have your affordability figures (how much you can borrow) it’s important to know any new debt taken out will have an impact on this.

If anyone has any questions comment below or send me message/email and I’ll do my best to help 💷🏠

No need to worry about travelling, I can offer advice all over the UK!

Email or call to get in touch, details are in my bio 📞📧

Are you looking to buy your first home?
Move into your next home?
Is your mortgage deal coming to an end?
Are you a landlord looking to make that next purchase?
Or are you looking for additional funds for home improvements or to repay some debt?

These are all things I can help you with! Get in touch and take some of the stress of the process 🏠🔐

So here’s a pic of me you won’t be used to seeing, standing up and in my work gear!

What you also may not know about me is that I have actually worked in mortgages for the last 7 years! With my last job being as a mortgage underwriter, I have all the skills, knowledge and experience to help you on your journey!

Thanks for coming to check out my page, any follows and shares are greatly appreciated 🥰 stay tuned for mortgage myth busting and fun facts!

Please get in touch if you’re thinking of making that first or next big purchase!

Contact details are in my bio 📞📧🏡

See if you can spot me here 😁📸

Welcome | Pims At Pims we take all the hassle away by finding you the most suitable deal for your situation, guiding you every step of the way.

Thank you for coming to check out my page!

I am so excited about my new business venture, I have worked in mortgages for 7 years and have finally taken the plunge to become a mortgage and protection advisor.

I will be working alongside the guys at PIMS offering a range of mortgage and insurance services.

If you’re thinking of moving house, purchasing your first home or remortgaging please get in touch, I would love to help you!

Thanks for reading, please give my page a like/ follow or a share/invite to your friends would be amazing 🥰