Mortgages With Emma

Are you putting off a mortgage appointment because you don't have the ability to do so during office hours?

I offer flexibility with my appointments meaning I can be available at a time and a place that suits you!

🏠 Face to Face or Virtual
🏠 Phone
🏠 Early Mornings, Evenings and Weekends
🏠 My Office or Your Home

📞 07876211187
✉ [email protected]

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

1. Research the area - look into schools, transport links and local amenities.

2. Get Pre- Approved - Speak to me and understand how much you can borrow. Obtain an agreement in principle, most estate agents will ask to see this before they will take the property off the market.

3. Set a budget for your Offer - Determine your maximum offer and stick to it!

07876211187
[email protected]

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

Calling all First Time Buyers … I'm here to answer all your Questions including:

✅ How much deposit do I need - Your deposit amount will depend on the property you are purchasing, plus what the lender would require, some require 5%, 10%, or even 0%!

✅How much can I borrow - I will carry out an affordability assessment based on your Income and Outgoings.

✅ When is my deposit needed - Your deposit will need to be transferred at the stage of Exchange, your solicitors will help you organise this

✅ When and how do I secure an Agreement in Principle - The best time to get your agreement in principle is before you head out on viewings, we can help you in your quest for an AIP.

For more of your questions answered, give me a ring or drop me a message 📱07876211187

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

The most satisfying part of the job is knowing you've had a positive impact meaning someone has the keys to their dream home! 🏠

Thank You to everyone who has supported me so far!

Do you need help with your mortgage journey? ... If so drop me a message or give me a call on 07876211187.

New Mortgage Alert 🚨

A lender today has announced a £5,000 deposit mortgage up to a 99% of the value of your home.

Meaning you could buy a house for up to £500,000 with just a £5,000 deposit.

This particular lender understands that raising a deposit is a key challenge for many wanting to step onto the property ladder for the first time, and they want to help more first time buyers open the door to their first home.

So what do you need to know?
- At least one applicant must be a first time buyer
- Credit rating must be excellent+ (still subject to lender internal score)
- 5 Year Fix only
- Available for purchases above £100,000 up to £500,000
- Minimum borrowing £95,000 and max £495,000
- Cannot borrow anymore than 4.49x your income
- New purchases only
- Subject to affordability, criteria and credit score

Excludes
- Purchases of flats, new builds and properties in Northern Ireland
- Not available for applications where any applicant does not have permanent right to reside in the UK
- Not available for Joint Borrower Sole Proprietor

Other criteria points may be required to be met.

📞 07876211187

As always - YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Over the Easter holidays I have some evening availability. If an evening appointment suits you better please get in touch.

07876211187

Today we’ve had another update from the Bank of England they are holding the base rate at 5.25% for at least another 6 weeks.

🤔 Why is that important? The Bank of England base rate, influences lending rates for banks and borrowers, impacting economic activity and inflation. Adjusted in response to economic conditions, it guides monetary policy goals such as inflation control and economic stimulation.

If you’re concerned about your current mortgage rate. Especially if you’re on a tracker or other variable rate, give me a call or drop me a message. 📱

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

Please please please vote for us to be recognised as BEST MORTGAGE INDUSTRY NEWCOMER in the 2024 what Mortgage Awards!

Absolutely speechless but Mortgages with Hannie have been shortlisted AGAIN for BEST MORTGAGE INDUSTRY NEWCOMER in the 2024 What Mortgage Awards.

We would absolutely LOVE your support once more, without you we wouldn’t be where we are today 🙌🏻

Click below to head to the voting page. We are the last option on the list and you will see us listed as ‘Mortgages with Hannie Ltd’

https://www.whatmortgage.co.uk/awards/2024-what-mortgage-awards-nominee-shortlist-revealed

It takes 30 seconds and just asks for your name and email!

Thank you for everyone that supports us stand out in this big named industry!

... Be prepared!

Have your paperwork ready, be as flexible and open as you can when chatting to me, and let me do my thing!

The more information you can give me upfront means the whole process will run smoother and faster.

I don’t want you to lose your new home or new mortgage offer because something wasn't ready to submit 🏡

📞 07876211187
✉ [email protected]

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

A day in the life of me …

🏠 Today I have provided research for a complex portfolio Buy To Let mortgage
🏠 Arranged a remortgage saving the customer in excess of £150 per month on their mortgage payment.
🏠 Updated customers on the status of there mortgage applications
🏠 Provided a home insurance quote better meeting a customers needs.

If you have questions about your mortgage or any insurance needs please get in touch.

📞 07876211187

During an appointment, you can expect to go through a few if not all of these topics

⚪ Financial Assessment This includes an analysis of your income, expenses, and existing debts to determine how much you can afford to borrow.

⚫ Credit Check: Lenders will typically conduct a credit check to evaluate your credit history and determine your creditworthiness.

⚪ Mortgage Options: I'll discuss various mortgage products available to you. I will explain different types of mortgages, such as fixed-rate, variable-rate, interest-only, and repayment mortgages, and help you choose the one that best suits your needs.

⚫ Mortgage Affordability: We'll discuss how much you can borrow based on your income and expenses. This helps you understand your budget and set realistic expectations for your property search.

⚪ Interest Rates and Terms: You'll be informed about current mortgage interest rates and terms. I will explain how interest rates can affect your monthly payments and provide options for fixed or variable rates.

⚫ Deposit Requirements: You'll learn about the minimum deposit requirements for different types of mortgages. We will also explain the advantages of larger deposits, such as lower interest rates and reduced borrowing costs.

⚪ Documentation Requirements: I will explain the documentation you need to provide when applying for a mortgage. This typically includes proof of identity, proof of income, bank statements, and details of your financial situation.

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

Bridging loans are short-term financing options that can be used for various purposes to bridge a gap in funding until a more permanent or long-term financial solution becomes available.

Here are common uses for bridging loans:

1️⃣ Property Purchase and Development:

Buying a new property before selling an existing one.
Financing property renovations or refurbishments.

2️⃣ Property Auctions:

Quickly securing funds to purchase a property at an auction, where immediate payment is required.

3️⃣ Property Chains:

Breaking a property chain by using a bridging loan to purchase a new property before the sale of the current one.

4️⃣ Commercial Real Estate:

Acquiring or developing commercial properties.
Covering expenses during the purchase or expansion of a business premises.

5️⃣ Residential Real Estate:

Buying a property that may not meet traditional mortgage criteria \(e.g., due to its condition\).
Purchasing a property that cannot be financed through a regular mortgage due to a short lease.

6️⃣ Land Acquisition:

Purchasing land for development, investment, or other purposes.

7️⃣ Debt Consolidation:

Settling high-interest debts or loans with a bridging loan, which may offer a lower interest rate.

8️⃣ Buy-to-Let Investments:

Financing the acquisition of a buy-to-let property while preparing it for rental income.

9️⃣ Temporary Cash Flow Issues:

Covering temporary shortfalls in cash flow for businesses or individuals.

🔟 Property Refinancing:

Refinancing an existing bridging loan with a longer-term financial product, such as a mortgage.

These are a few options, to find out how one could help you, get in touch!

In order to keep relevant in an ever changing market it’s crucial that I keep up to date …

I’m out of the office today at Wetherby refreshing my knowledge on the lenders who can help when you’re not ‘ticking the box’ with mainstream lenders.

As Expected, the Bank of England has maintained the base rate at 5.25%.🙌🏼

Following such decisions, interest rates on mortgages tied to the Bank of England base rate typically remain constant.

Changes are frequent among lenders, particularly for fixed and variable mortgages, if you've been delaying addressing your mortgage, now is an opportune moment to initiate the process.📱

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

Over a fifth of people have said that they chose their mortgage lender because they already banked with them 🫣

Whilst it may be easier because you already have an account with them, it may mean that you're limiting your options and therefore missing out on deals that could be better suited for you 😯

🔍 Why Explore Beyond Your Bank?

🌟 Variety: Multiple lenders, multiple options. Don't settle for a one-size-fits-all mortgage.
📊 Competitive Rates: Rates can vary significantly between lenders. Find the deal that truly suits your budget.
👥 Personalised Guidance: Mortgage Brokers like myself provide tailored solutions, aligning with your unique needs.
⏳ Save Time: Let me do the legwork. I’ll shop the market, so you don't have to.

🌐 My Promise: I'm here to open doors, explore possibilities, and find YOUR ideal mortgage. Whether you're a first-time buyer or remortgaging, my expertise ensures you're in control.

📞 07876211187
✉ [email protected]

Source: https://buff.ly/47kGu7q

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

Seven in ten first-time buyers confident of getting on the property ladder - Your Mortgage Those looking to get the keys to their first home are now more confident about their ability to buy compared to earlier this year, a high street lender reveals.

On Friday evening I had the privilege of sponsoring a table at a local ball raising money for the Pink Ribbon Foundation. We had a fabulous evening raising money for a great cause.

Each year 393,000 people are diagnosed with Cancer!

If you were one of them, would your family be protected?

Would your finances be protected from the impact of losing your income? Would you be able to afford to stay in your family home?

If you haven't got insurances in place of haven't reviewed them in a while please get in touch for a free quote?

📞07876211187
✉[email protected]
🗓https://calendly.com/mortgageswithemma

🤗PLEASE HELP BUILD UP MY BUSINESS!🤗 I’d really appreciate it if people could do this for me, it takes seconds but would really help me 🥰

I have a HUGE but SMALL favour to ask!

1. Go to my business page: https://www.facebook.com/profile.php?id=61551045963169

2. Go to the 3 little dots on the side of page, Hit “invite friends”

3. Select "invite all" & done

You've SUCCESSFULLY supported my Small Business for £0.00 and less than 15 seconds of your time.

Thank YOU all for supporting my small and local business 💫❤️👌

Mortgages With Emma Broker at Mortgages with Hannie & Co, a Whole of Market Mortgage and Protection Firm.

Useful episode tonight from Martin Lewis, providing a little market forecast, hopefully giving people an idea on when’s the right time, what may happen, and whether you should go fixed or variable.

As always and very kindly Martin confirms, speak to a mortgage broker, mortgage advice is individual to everyone’s circumstances.

Just a reminder that I DO NOT charge any upfront fees, meaning my initial advice is essentially FREE upfront. Whether you have exceptional circumstances or not, I can still help.

Martin Lewis - ‘Mortgage brokers know stuff that we can’t get’.

Always worth a chat 📲

Available to call, text or What’s App on 07876211187 & 01535280737

When it comes to getting a mortgage, your affordability is key. But what exactly affects how much you can borrow? Here are the top three factors that can impact your mortgage affordability:

💷 Income - Your income is a crucial factor in determining how much you can borrow. Generally, the more you earn, the more you can borrow.
💳 Credit score - Your credit score is a measure of your creditworthiness and can affect how much lenders are willing to lend you. Make sure to keep your credit score in good shape by paying bills on time and avoiding excessive debt.
🧾 Outgoings - Lenders will also look at your monthly outgoings, such as bills, debts, and other financial commitments. Keeping these under control can help you borrow more.

Typically, borrowers can expect to be offered between 4 and 4.5 times their salary. However, some lenders might be willing to offer more than that.

In special situations, you might even be able to borrow up to 5 or 6 times your income. This can make a huge difference in the size of your loan 👀

Get in touch if you'd like to explore your options ...

📞07876211187
✉[email protected]

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

🎉New Year New Home🎉

Are you looking at moving in 2024 and don't know where to start?

I'm on hand to help you. Get in touch …

📞07876211187
✉[email protected]

1️⃣ Mortgage Pre-Approval: This is the initial stage where you get a general idea of how much you may be able to borrow. It can usually be done relatively quickly, often within a day or two.

2️⃣ Mortgage Application: Once you've chosen a lender and a specific mortgage product, we'll need to complete a detailed application. This can take a few hours to a few days, depending on how quickly you provide documentation and the lender's requirements.

3️⃣ Mortgage Underwriting: This is the stage where the lender reviews your application and supporting documents in detail. The underwriting process can take anywhere from a few days to a few weeks, depending on the lender's workload and complexity of the application.

4️⃣ Property Valuation: If you're buying a property, the lender will usually require a valuation to assess the property's worth. The time it takes for the valuation can vary, but it's often completed within a week or two.

5️⃣ Mortgage Offer: Once your application is approved, the lender will issue a mortgage offer.

Overall, the process is going to take anywhere between 4 - 6 weeks, sometimes longer or shorter.

I will keep you up to date through the whole process and work with any third parties involved to help the process run smoothly. Keeping you up to date the whole time!

📞07876211187
✉️ [email protected]
https://calendly.com/mortgageswithemma

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

Someone's in the doghouse! ... Don't leave it to last minute to arrange your mortgage 🏠

Get in touch today for a free initial consultation.

📞07876211187

https://calendly.com/mortgageswithemma

YOUR HOME MAY BE REPOSSESED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Appointment availability for October. 🏠

I now just have a few appointments available this month. If your looking to see how much you can borrow, need an agreement in principle, your mortgage rate is coming to and end or you just want to understand the house buying process please get in touch.

🔹Evening appointments are available on request🔹

https://calendly.com/mortgageswithemma

📞or WhatsApp 07876211187 / 01535 280737

... and just like that I have a 1 year old!

I will be out of the office today celebrating Stanley's 1st Birthday 💙

Today is my little boy Jacks 3rd Birthday! 🎂🎂

I'll be out of the office today to celebrate his special day! 💙

Are you worried about your mortgage rate ending? 🏠

Lets Talk! ☕

Don't leave it to last minute. I recommend looking at options 6 months from when your existing deal ends. This gives us plenty of time to discuss your current situation, search the market and if moving lender is the best option for you it also gives us time to arrange a new mortgage.

I will guide you through the entire process and ensure you're getting the best deal for your needs! 🎉

If your mortgage ends between now and April 2024 get in touch ...

📞07876211187
✉[email protected]

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

The face behind Mortgages with Emma.

Aside from the day job I’m also a busy mum to Jack & Stanley and step mum to Harry and Freddie. My Partner Tom is a Dairy Farmer and we live on the farm just outside of Gargrave. When I’m not writing mortgages I keep my self busy with friends & family. I love cooking, entertaining and am at my absolute happiest when I’ve got a pair of skis on!

I started working with mortgages in 2012. I love being able to help with what will be most people’s biggest financial commitment in their lifetime. Over the years I’ve developed a vast knowledge of an ever-changing industry, how lenders work and the wider house buying process. I use that knowledge to take the stress away from you, guide you each step of the way and be there to support and advise where necessary.

If your current mortgage is coming to an end within the next 6 months, you’re looking to see how much you could borrow, needing an agreement in principle or just needing some advice from a friendly face.

Please get in touch on 07876211187.

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

✅ Expert Guidance: One huge benefit is that you'll have access to expert advice. Count on my experience and know-how to help you make smart decisions about your future mortgage!

✅Save Time & Stress: I'll do all the hard work for you - researching different mortgage options, talking to various lenders and searching on your behalf. This saves you time and could help you find the best deal that suit you and your wallet!

✅Personalised Help: You'll get a personalised touch! I'll take the time to look at your situation, understand your personal circumstances and guide you towards the mortgage that best fits your needs.

I'll be there to help and give advice from start to finish 💙

️📧 [email protected]
📞& WhatsApp - 01535 280737
🗓https://calendly.com/mortgageswithemma

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

It’s official, Mortgages with Emma is now live! 🎉

I’m so excited to share with you that my business is now live, my calendar link is listed below please follow this to arrange an appointment with me.

I bring over 10 year’s experience of working with Mortgages. Whether you are a first time buyer just setting out on your journey or an existing home owner looking to make some changes, I’m here to find you the best mortgage to suit your needs & will guide and support you through the whole process.

📧 [email protected]
📞 Message or WhatsApp - 01535 280737
🗓️ https://calendly.com/mortgageswithemma

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