Darren Woodhams - Aitana Financial Services

Three things you should know about your money.

Approved by the Openwork Partnership on 12/07/24

Can I get a mortgage after 50?

There are plenty of deals out there for those looking for a mortgage in their 50s and beyond!

Talk to us, we can help you navigate the mortgage market and find the right deal for you.

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

Approved by The Openwork Partnership on 05/04/2024.

Think that owning your own home is an unaffordable dream?
Talk to us about Shared Ownership today.

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

Cybercriminals use a wide range of tactics to con people out of their money. Stay one step ahead with these five crucial tips to avoid financial scams.

Contact the police if you think you’ve been the victim of a financial scam. You can also forward suspicious emails to [email protected] and forward suspicious text messages to 7726 for free.

For more information about financial scams visit www.actionfraud.police.uk. If you’re in England or Wales, you can also report fraud or cybercrime to Action Fraud on their website or by calling 0300 123 2040.

Approved by the Openwork Partnership on 27/08/2024.

What is a mortgage?

Talk to us about buying your first home today!

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

ADV 28462 - Approved by The Openwork Partnership on 15/08/2024

With the cost of living crisis putting financial pressure on households, more than half of UK adults are worried about their finances. Find out 5 ways to protect your money

https://www.ons.gov.uk/visualisations/dvc1833/calculator/index.html



Approved by The Openwork Partnership on 04/10/2023

Buying as a first-time buyer is an overwhelming experience, so read these five tips for buying your first home.
Be open to everything when it comes to buying your first home, after all you’re new to it.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Try our Protection Calculator...
https://moreishmarketing.com/lv/healthrisktool/v9/?company=openwork

Little things can be life-changing – like the bike accident you never thought you’d have.

So here’s one little thing you can do to protect your financial future, if an accident leaves you unable to work. Talk to us about income and accident protection today.



Approved by The Openwork Partnership on 26/06/2023.

Fixed rate mortgage coming to an end? The right remortgage deal may not be with the same lender. Our experts will find the right option for you, whether you don’t know where to start or think you’ve got yourself covered.
Have a chat with an expert adviser today.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Approved by The Openwork Partnership on 05/05/2023.

There are lots of mortgage options, but choosing the right one can be complex, time consuming and expensive if you get it wrong. Our experienced advisers can look across an extensive panel of lenders to find the right deal for you.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Talk to an adviser
Approved by The Openwork Partnership on 05/05/2023.

Aitana Financial Services is a trading name of Kevin Paul Manktelow which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

The Bank of England has raised Base Rates again to 4%. If you have a fixed rate mortgage, your monthly payments won't be affected.
If you have a tracker mortgage linked to the Base Rate, you will already have seen an increase to your monthly payments and are likely to see further rises.
If you have a variable rate mortgage, you may have seen an increase to your monthly payments and may see further rises.

Nationwide BS and brokers issue spray foam mortgage warning

https://www.mortgagesolutions.co.uk/news/2022/11/25/nationwide-bs-and-brokers-issue-spray-foam-mortgage-warning/

With the cost of energy bills soaring many households are looking for ways to reduce their energy bills by insulating their homes with spray foam insulation. This has caused many mortgage holders to have issues when trying to remortgage or release equity from their homes.

This could also cause you issues when you are looking to sell your property as your buyers may not be able to secure a mortgage.

If you are considering making changes to your home discuss these with your current lender and your mortgage adviser to see how this would impact your future plans.
Don’t have a mortgage broker? Get in touch us and we will do our best to support you.

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

Nationwide BS and brokers issue spray foam mortgage warning - Mortgage Solutions More homeowners are installing spray foam insulation to keep bills down but many could inadvertently end up with unmortgageable properties.

https://www.bbc.co.uk/news/business-63818942

UK house prices saw their biggest monthly fall for more than two years in November as rising interest rates put off buyers, the Nationwide has said

Thinking of buying your first home or moving home? Get in touch now for advice on how a reduction in property prices can impact your mortgage planning

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

House prices see biggest fall for two years, says Nationwide Prices fell 1.4% in November as higher interest rates put off buyers, Nationwide says.

Stamp Duty cuts announced in the Growth Plan will now end on 31 March 2025.

The Bank of England has raised the Base Rate for the seventh time since December 2021 to 2.25% in a bid to tackle inflation which is almost five times higher than the 2% target

If you have a fixed rate mortgage, your monthly payments won't be affected. For those with tracker or SVR mortgages your payments may go up.
For those with tracker or SVR mortgages now is the time to review your deal.

No stamp duty will be paid on the first £250,000 of a property, and for first-time buyers the threshold will be £425,000.

Demand for rental properties rose by 76% this year. Could the buy-to-let market be a good investment for you?
There are a lot of factors to consider before entering the buy-to-let market – a professional adviser can help you decide if it’s a wise investment for you.
If you’d like advice on buy-to-let mortgages, we’re here to help.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Some Buy to Let and Let to Buy mortgages are not regulated by the Financial Conduct Authority.

Calling all first-time buyers! Here are our top tips in saving for a house deposit.
A savings plan can make all the difference and we can offer guidance to help you here.

When preparing to buy your first home, saving for a deposit can be a difficult process. As house prices, inflation, cost of living and mortgage rates increase, it can mean that some mortgage lenders may require larger deposits of the property value.

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