Amanda -Oak Mortgages
With over 16 years of experience let your mortgage worries be over with friendly,down to earth advise Mortgage Options (Partnership Division) Ltd.
Your home may be repossessed if you do not keep up repayments on your mortgage. Mortgage Options in a trading style of Mortgage Options (Partnership Division) Ltd, which is an appointed representative of Intrinsic Mortgage Planning Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales, under no. 07352047. Registered office address - 4 Finkin Street, Grantham, Lincolnshire, NG31 6QZ
๐ ๐๐๐ง๐ค ๐จ๐ ๐๐ง๐ ๐ฅ๐๐ง๐ ๐๐ฎ๐ญ๐ฌ ๐๐ง๐ญ๐๐ซ๐๐ฌ๐ญ ๐๐๐ญ๐๐ฌ!
The Bank of England has dropped rates again, down to 4.75% from 5% โ the lowest in over a year.
Great news for homeowners and buyers alike.
If youโre considering a mortgage or have questions about how this might impact your finances, donโt hesitate to get in touch with our team at Oak Mortgages.
Beautiful gift delivered today from one of my clients, thank you so much โค๏ธ๐
๐ข Changes Coming to the Right to Buy Scheme - ACT NOW! ๐
Starting November 21, 2024, there are important updates to the Right to Buy scheme for purchasing council homes.
Hereโs what you need to know:
๐น New Discount Limits: The maximum cash discount will drop from ยฃ102,400 to between ยฃ16,000 and ยฃ38,000, depending on your location.
๐น Discounts Based on Tenure: Discounts will now be determined by how long youโve lived in the property and property type.
To qualify for Right to Buy, tenants must:
๐นHave been a public sector tenant for at least 3 years
๐นWant to buy their only or main home
๐
๐๐ฆ๐ฉ๐จ๐ซ๐ญ๐๐ง๐ญ: ๐๐ฉ๐ฉ๐ฅ๐ข๐๐๐ญ๐ข๐จ๐ง๐ฌ ๐ฌ๐ฎ๐๐ฆ๐ข๐ญ๐ญ๐๐ ๐๐๐๐จ๐ซ๐ ๐๐จ๐ฏ๐๐ฆ๐๐๐ซ ๐๐, ๐๐๐๐ ๐ฐ๐ข๐ฅ๐ฅ ๐ฌ๐ญ๐ข๐ฅ๐ฅ ๐๐ ๐๐ฅ๐ข๐ ๐ข๐๐ฅ๐ ๐๐จ๐ซ ๐ญ๐ก๐ ๐๐ฎ๐ซ๐ซ๐๐ง๐ญ ๐ก๐ข๐ ๐ก๐๐ซ ๐๐ข๐ฌ๐๐จ๐ฎ๐ง๐ญ๐ฌ.
๐๐จ๐งโ๐ญ ๐ฆ๐ข๐ฌ๐ฌ ๐จ๐ฎ๐ญโ๐๐๐ญ ๐ฌ๐จ๐จ๐ง ๐ข๐ ๐ฒ๐จ๐ฎโ๐ซ๐ ๐ญ๐ก๐ข๐ง๐ค๐ข๐ง๐ ๐๐๐จ๐ฎ๐ญ ๐๐ฎ๐ฒ๐ข๐ง๐ ๐ฒ๐จ๐ฎ๐ซ ๐๐จ๐ฎ๐ง๐๐ข๐ฅ ๐ก๐จ๐ฆ๐ ๐ฎ๐ง๐๐๐ซ ๐ญ๐ก๐ ๐๐ฎ๐ซ๐ซ๐๐ง๐ญ ๐ญ๐๐ซ๐ฆ๐ฌ!
Want to learn more about how these changes could impact you? Contact us today!
๐จ ๐๐ก๐๐ง๐ ๐๐ฌ ๐ข๐ง ๐๐ญ๐๐ฆ๐ฉ ๐๐ฎ๐ญ๐ฒ ๐๐ง๐ ๐๐ข๐ ๐ก๐ญ ๐ญ๐จ ๐๐ฎ๐ฒ ๐จ
Stamp Duty hikes are here for those buying a second home in England and Northern Ireland, with rates now up to 5% above standard for additional properties.
Plus, bigger changes are on the way in April 2025 that will impact most buyers, including first-timers.
If youโre thinking about buying, securing your property sooner could save you from higher rates.
Read more at https://oakmortgages.co.uk/important-changes-to-stamp-duty-and-right-to-buy/
๐ก Get in touch to discuss your options!
"
๐ Autumn Budget 2024 โ Key Highlights ๐
Today, the Chancellor unveiled the largest tax-raising Budget since 1993, projected to generate ยฃ40 billion for government initiatives. However, the definition of a "working person" raises some questions. ๐ค
๐๐๐ฒ ๐๐ก๐๐ง๐ ๐๐ฌ ๐ข๐ง๐๐ฅ๐ฎ๐๐:
Capital Gains Tax: Lower rate up from 10% to 18%; higher rate from 20% to 24%.
Fuel Duty: Frozen for the year.
Employers' National Insurance: Increasing by 1.2% to 15% from April 2025.
Inheritance Tax: Threshold frozen until 2030.
Stamp Duty Land Tax: 5% surcharge on 2nd homes starting as of 31st October.
Right to Buy Discounts: Reduced, making council houses more expensive.
On the positive side, the national minimum wage will rise to ยฃ12.21 per hour in April 2025.
I am interested to hear your thoughts on the Budget - especially the impact for small business and landlords?
6am start today for my clients ๐ก
Photos like this make my night
Congratulations to this beautiful couple on the purchase of their first home โค๏ธ๐
We absolutely love receiving gifts from our amazing clients! ๐
A big thank you to our happy client who surprised us with some delicious goodies last week. Iโve never seen the team move so fast... though I may need to hide those cocktail tins! ๐น๐
Your kindness means the world to us โ itโs a pleasure working with such wonderful people!
๐ ๐๐ซ๐๐๐ฌ๐ญ ๐๐๐ง๐๐๐ซ ๐๐ฐ๐๐ซ๐๐ง๐๐ฌ๐ฌ ๐๐๐ฒ โ ๐๐๐ฑ๐ญ ๐
๐ซ๐ข๐๐๐ฒ ๐๐๐ญ๐ก ๐๐๐ญ๐จ๐๐๐ซ ๐๐๐๐ ๐
Ladies, it's time to give your tatas some love! ๐
Early detection saves lives, so donโt forget to check regularly! ๐ฉท
Take a moment for self-exams and schedule those routine check-ups! #๐๐ซ๐๐๐ฌ๐ญ๐๐๐ง๐๐๐ซ๐๐ฐ๐๐ซ๐๐ง๐๐ฌ๐ฌ isnโt just a day, itโs a reminder to protect your health.
๐ Check. Feel. Protect. ๐
Tag a friend to spread the word, because weโre in this together! ๐๏ธ
Just about composed myself
This wonderful client was told she would not get a mortgage through no fault of her own and here's the keys to her new property. We went to war with the lenders over this one and it's a day full of happy tears.
My client is a wonderful lady and I wish you every single bit of luck and happiness in the world โค๏ธ
๐ข ๐๐๐๐ญ ๐๐ฆ๐๐ง๐๐ ๐๐จ๐ฉ๐ฉ๐, ๐จ๐ฎ๐ซ ๐๐ฆ๐๐ณ๐ข๐ง๐ ๐ฆ๐จ๐ซ๐ญ๐ ๐๐ ๐ ๐ฌ๐ฉ๐๐๐ข๐๐ฅ๐ข๐ฌ๐ญ ๐๐๐ฌ๐๐ ๐ข๐ง ๐ญ๐ก๐ ๐๐๐ฅ๐ฅ๐ข๐ง๐ ๐๐จ๐ซ๐จ๐ฎ๐ ๐ก ๐๐ง๐ ๐๐จ๐ซ๐ญ๐ก๐๐ง๐ญ๐ฌ ๐๐ซ๐๐!
Whether you're looking to Remortgage, Move Home, or Purchase your very first property, Amanda is dedicated to guiding you through the process with expertise and care.
With a growing number of happy clients, she's your go-to for making your homeownership dreams a reality. ๐กโจ
Get in touch with Amanda today and see how she can help you with your next big move!
Would like to apologise if I have been a little slow on the inbox this week I am moving homes but back too it tomorrow so will be in touch then โ
๐จ ๐๐๐ฐ ๐๐ฅ๐จ๐ ๐๐ฅ๐๐ซ๐ญ! ๐จ
We just published a new blog post diving into the unsung heroes of the mortgage industryโ๐ฆ๐จ๐ซ๐ญ๐ ๐๐ ๐ ๐๐๐ฆ๐ข๐ง๐ข๐ฌ๐ญ๐ซ๐๐ญ๐จ๐ซ๐ฌ! ๐ก๐ผ
Ever wonder what keeps your mortgage application moving smoothly behind the scenes? Discover how these vital team members drive efficiency, ensure compliance, and help brokers deliver exceptional service to their clients in todayโs fast-paced market. ๐
๐ Read the full blog now to learn why great administrators like Vicki are the backbone of any successful mortgage business!
๐ก๐ญ๐ญ๐ฉ๐ฌ://๐จ๐๐ค๐ฆ๐จ๐ซ๐ญ๐ ๐๐ ๐๐ฌ.๐๐จ.๐ฎ๐ค/๐ญ๐ก๐-๐๐ฌ๐ฌ๐๐ง๐ญ๐ข๐๐ฅ-๐ซ๐จ๐ฅ๐-๐จ๐-๐ฆ๐จ๐ซ๐ญ๐ ๐๐ ๐-๐๐๐ฆ๐ข๐ง๐ข๐ฌ๐ญ๐ซ๐๐ญ๐จ๐ซ๐ฌ-๐ก๐จ๐ฐ-๐ญ๐ก๐๐ฒ-๐๐ซ๐ข๐ฏ๐-๐ฌ๐ฎ๐๐๐๐ฌ๐ฌ-๐ข๐ง-๐ญ๐ก๐-๐ข๐ง๐๐ฎ๐ฌ๐ญ๐ซ๐ฒ/
๐ ๐๐ ๐๐จ๐ฎ๐ฌ๐ ๐๐ซ๐ข๐๐๐ฌ ๐๐๐๐ฉ ๐๐ฅ๐ข๐ฆ๐๐ข๐ง๐ ! ๐
For the third month in a row, UK house prices have gone up, rising by 0.3% in Septemberโabout ยฃ859. Looks like those falling mortgage rates are giving the property market a real boost! ๐ก๐ธ
The average UK house price is now sitting at ยฃ293,399โjust shy of the record high we saw in June 2022. Even after last yearโs mini-budget blip, itโs clear the market is bouncing back.
Could this be the right time to get on the housing market?
๐ก New Blog Alert! ๐ก
Thinking about investing in an HMO property? Our latest blog dives into how you can turn your buy-to-let into a high-yielding investment with House in Multiple Occupation (HMO) properties. From legal requirements to financing options and management tips, weโve got you covered every step of the way!
At Oak Mortgages, we specialise in tailored mortgage solutions to help you navigate the HMO process with ease. Ready to start your property journey? ๐ผ
๐ https://oakmortgages.co.uk/investing-in-buy-to-let-properties-a-comprehensive-guide-to-success-with-hmos/
Big thanks to Sam from Precise and Kent for visiting our office today and keeping us up to date on the latest products and criteria!
We truly appreciate the insightful updatesโand the goodies were a fantastic bonus!
Looking forward to continuing our great partnership. ๐
Such a wonderful gift came to my door today
Honestly thank you so much I am still trying to locate which client this is ๐โค๏ธ
But really touched me
๐๐ Congratulations to Robert and Serena on their new home! ๐ ๐
We are thrilled to have helped you secure your mortgage. Wishing you both countless happy memories in your beautiful new home! If you're looking to make your dream home a reality, we're here to help.
Cheers to new beginnings! ๐ฅ โจ
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