Ben Murphy Cert CII MP

I am excited to announce I have joined Y3S Bridging and Commercial Finance as a Broker Manager. I will specialise in commercial and property finance.

We have access to the best products on the market. With bridging starting at 0.44% and specialist BTL Mortgages from 2.59%. We like to think there is no one like us. We are professional, think outside the box and have a team of people who love to work and complete your deals. We complement our bridging with a suite of products to include, portfolio landlords, first time landlords, commercial mortgages, luxury asset finance, development finance. Anything that is deemed specialist, then it’s for us. Bridging product guide: Loans from £25,000 - £100m Up to 85% LTV Rates from 0.43% Short term bridging loans up to 24 months 1st, 2nd and 3rd charges available No ERCs Available in England, Scotland and Wales.

It’s time to leave behind that stress and start taking control of your money! Stay tuned for some ways you can start getting your life in order today:

Take inventory: It is time to gather all your bills together and figure out what you own and what you owe. It may not seem like it but facing those bills head on is the best thing you can do to start relieving your stress.

Make a Budget… and stick to it! First, write down your income, then your expenses. Now, subtract your expenses from your income until it equals zero! Don’t worry, that doesn’t mean you have nothing in the bank. It just means you’ve given every single pound a purpose and a job to do.

Pay of all your debt:



Step 1: List your debts smallest to largest, regardless of interest rate. Pay minimum payments on everything but the little one.

Step 2: Attack the smallest debt with everything you’ve got. Once that debt is gone, take that payment (and any extra money you can squeeze out of the budget) and apply it to the second-smallest debt while continuing to make minimum payments on the rest.

Step 3: Once that debt is gone, take its payment, and apply it to the next-smallest debt. The more you pay off, the more your freed-up money grows and gets thrown onto the next debt—like a snowball rolling downhill.

It’s worth mentioning: If you’re in the middle of any kind of emergency (like a job loss, major home repairs or a medical crisis), things may need to look a little different.

Practice Gratitude: If you want to get rid of financial stress, you’ve got to do things differently than the way you’re doing things right now. And it all starts with addressing your urge to buy things just because you want them.



Learn what triggers your wants and start limiting your exposure to that thing. If waking up and scrolling through social media is a habit that leads you to your next purchase, it might be time to take a break.

Why not try our mortgage calculator to see how much you can potentially borrow.

https://cpfc.org.uk/advice-and-services/calculators/mortgage-calculator



Please note this is only an estimate and we recommend that you speak with an adviser who will be able to provide an accurate amount so why not get in touch, we provide a no-obligation 1 hour consultation.



Your home may be repossessed if you do not keep up repayments on your mortgage Chris Price Financial Consultancy Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

Home is where the heart is, and buying a new house is exciting but with so many lenders and products available, choosing the right mortgage can be confusing. Let us help you understand your choices; we can guide you through the complexity of today’s mortgage markets, making the process as straightforward as possible, and making sure you have the right mortgage to suit your needs.

Speak to our financial experts. Contact us to find out more https://www.cpfc.org.uk/contact

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

Chris Price Financial Consultancy is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

Whether you’re an owner occupier or a landlord it’s important to have clear goals before re-mortgaging. There are literally thousands of mortgage products in the marketplace so having a financial adviser in your corner to help you identify opportunities is essential.
That access to expertise – from people who can authoritatively assess your financial position and look at the widest selection of options available – is more important than ever right now.
Read the article below for more information on why re-mortgaging now might be right for you.

https://cpfc.org.uk/article/detail/sjpp/is-it-time-to-think-about-remortgaging.html

Is it time to think about remortgaging? It’s wonderful to read headlines about vaccines and a return to something like normal; yet daily news of further restrictions and recession do little to calm the financial nerves. Little wonder, then, that many people are using this uncertain time to reassess their goals to in the light of unpredi...

When we talk about women and wealth the conversation tends to be about one particular theme – yet it’s not the full picture.

It’s well established that women face barriers when it comes to gaining financial parity with men, given gender inequality in pay, the workplace, pensions and other areas. It’s a challenge that has been made harder by the economic effects of the coronavirus pandemic, which have had a disproportionate impact on women.

However, we also know that women are gaining financial power at a faster rate than any other group and their assets are growing rapidly.

The wealth held by women is expected to grow to $93 trillion1 by 2023, up from $77 trillion in early 2020.2 Currently, about a third of the world’s wealth is in the hands of women.1 Catalyst.org estimates that 67% of all UK household consumption is controlled or influenced by women and this figure rises even higher when you break it down by types of purchases such as cars, holidays and homes.3

The WealthiHer Report also measured men’s and women’s confidence, especially when it comes to financial matters. It found that just 39% of women in the UK consider themselves ‘above average’ when it comes to everyday financial confidence, compared with 57% of their male counterparts. This extends to long-term investing, too, with women twice as likely as men to rate themselves as having low confidence.

It’s never too late to start and to start to learn how your money can translate into something meaningful for you and how you live your life, whatever your goals and aspirations.







1 Women in Wealth: Managing the Next Decade of Women’s Wealth, Boston Consulting Group 2020 (April 2020)

2 The Changing Faces of Women’s Wealth, WealthiHer Network, 2021, total number surveyed 2239

3 Catalyst.org, May 2018

https://www.cpfc.org.uk/article/detail/sjpp/why_more_women_are_investing_in_income_protection.html

Bank of England Base rates have been kept at a record low but how long will this last?
Now might be the best time to review your mortgage, and we might be able to help you save money.

Please do not hesitate to drop me a message to find out more.

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

Chris Price Financial Consultancy Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

https://www.cpfc.org.uk/article/detail/sjpp/weekwatch_08_11_2021.html

WeekWatch - 08_11_2021 Global equity markets generally rose last week, as investors processed the US Federal Reserve’s plans to begin tapering its economic support, while the Bank of England (BoE) unexpectedly chose not to raise rates.

Was great to be invited to the Bristol office yesterday for a partner training day, during the meeting current and relevant topics were discussed to enhance our knowledge to enable us to provide better client outcomes.

The client is at the heart of everything we do, and we understand everyone's personal circumstances are unique. If today's post was of interest or has you thinking whether you have the right protection place then please do not hesitate to contact us and we can to discuss it further. We are here for you.

Chris Price Financial Consultancy Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

It can be no surprise that the COVID-19 pandemic has had a huge impact on many individuals in the UK. Some have suffered the negative effects of COVID such as loss, sickness, and unemployment which has resulted in negative consequences for their financial situation.

According to the survey, around 6.29m UK adults have experienced adverse credit in the last three years but during the pandemic it seems these people have been hit hardest financially. In the last three years, the most common cause for adverse credit was a missed credit card payment (9%) followed by a default caused by multiple missed payments (4%). With more and more specialist lenders in the market, these common issues are not always detrimental when trying to obtain a mortgage – but it will, of course, depend on a number of factors around those payments. However, it is time to give more confidence to clients who feel as though they won’t be able to get a mortgage with these common credit issues as there are now a wide range of lenders willing to help. There are many misconceptions by clients with adverse credit as so many believe it will lead to a decline when applying, but the research shows that only 6% of those who experienced adverse credit in the last three years had a decline when applying for a mortgage. A significant perception gap remains, between the number of people who believe that adverse credit will result in a declined mortgage application and the number of people for whom this has actually been the case.

It is important that you are provided the right advice and I am here to help. I can help you get on the property ladder by helping you build your credit profile or conduct research to help find a suitable specialist lender.

Please do not hesitate to contact me if you feel that your credit has been impacted and your unsure as to whether you are able to get a mortgage.

The figures used in this article are based on multiple surveys carried out by Pepper Money over the last 24 months. For more information on this survey, please see click the link.

https://www.pepper.money/adverse-credit-study-/

Saving can be difficult for many of us, the below article provides some useful insights into how you can manage you money.
https://www.sjp.co.uk/news/why-do-so-many-of-your-employees-think-they-cant-afford-to-save

Why do so many of your employees think they can’t afford to save? Failing to set aside money isn’t always down to financial hardship – and learning simple budgeting tricks can help, says Harriet Shepherd, Marketing Propositions Manager at St. James’s Place

At Chris Price Financial Consultancy a Partner Practice of St. James’s Place Wealth Management, we aim to make a difference in people’s lives and leave them in a better place than we find them in. We are committed to building and sustaining long term client relationships based on trust, superior service, and the quality of our initial and ongoing advice.

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This is of course not the full list but includes some useful tips if you are a first time buyer looking to purchase your first property.
If you have an queries regarding this post please drop me a message.

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

Saving a deposit for a new home can be difficult for some people.
If you're currently in this situation, please read the article below which is an insightful read on the current 95% mortgage guarantee scheme.
Your home may be repossessed if you do not keep up with your mortgage repayments.

https://cpfc.org.uk/article/detail/sjpp/the-95-per-cent-mortgage-guarantee-scheme-understanding-your-options.html

The 95% mortgage guarantee scheme: understanding your options The news that a 95% mortgage scheme is being launched to encourage younger people to get a foot on the property ladder is welcome. After all, no one can deny that saving for a hefty deposit is usually extremely difficult, especially in the midst of a pandemic.

Ben Murphy Cert CII MP updated their phone number.

Working at Chris Price Financial Consultancy a Partner Practice of St. James Place Wealth Management as a Mortgage and Protection Adviser and currently undertaking training and exams to become a fully qualified financial adviser.

Chris Price Financial Consultancy was established to provide a professional and personalised wealth management service to clients mainly residing in Wales. We believe in a holistic approach to financial planning and are able to advise on the following areas:
Savings and Investment Planning
Trustee Investment Planning Services
Corporate and Small Business Planning
Inheritance Tax Planning
Retirement Planning
Personal Protection Planning
Mortgage Advice

We also have connections in the legal and accounting space, amongst others, and so can bring in qualified experts who will be able to assist you with these areas specifically to make sure you get the best possible advice and service. We have developed such professional connections with people we have come to rate highly but will always seek your agreement before engaging their services on your behalf.
Working in this way enables us to develop and maintain a more co-ordinated approach to your financial planning which, in turn, brings you added value and convenience. When it comes to choosing a financial adviser, you need to be mindful of the fact that, just like all mainstream professions, the quality of the service you receive depends on the quality of the individuals providing it.
Chris Price Financial Consultancy will give you that reassurance. When you trust your financial planning to us you will be dealing with a company who has a high level of knowledge, relevant expertise and, most importantly integrity. These attributes will be focused on your specific requirements to provide you with bespoke financial advice when, how and where you want to receive it.
Specialties: We do not provide off-the-shelf solutions. We work to the highest standards, piecing together recommendations that are totally appropriate to your needs.

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

Chris Price Financial Consultancy Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority. The 'St. James's Place Partnership' and the titles 'Partner' and 'Partner Practice' are marketing terms used to describe St. James's Place representatives.

Ben Murphy Cert CII MP updated their business hours.

Chris Price Financial Consultancy Limited is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).
The ‘St. James Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.