Anderson Harris

Our team are dedicated to demystifying the mortgage process for our clients. Recognising the importance of understanding the ‘why’ behind our advice helps them make informed decisions. With personalised guidance through every step, we ensure a smooth and stress-free experience from initial consultation to final decision. Visit: www.andersonharris.co.uk #andersonharris #andersonharrisadvice #mortgageadvice #firsttimehomebuyer #ukproperty

We send heaps of warm wishes for a jolly Christmas and a fabulously prosperous New Year to all our lovely new followers and our beloved long-time pals! We wanted to let you know our offices will close from 12.00pm on the 24th December to 1st January 2025. From everyone here at Anderson Harris we wish you the best for the holiday season and are looking forward to seeing you next year. 💫 #Christmas #NewYear2025 #AndersonHarris

How do mortgage interest rates work? Typically, mortgage interest rates are influenced by the Bank of England's base rate. For instance, if you hold a tracker mortgage set at 1% above the base rate, and the Bank of England's base rate is 1%, your interest rate would then be 2%. Should the base rate rise, this will be reflected in the interest you need to pay. Swipe as we explore mortgage products and how they are priced. #MortgageRates #InterestRatesExplained #UKMortgages #TrackerMortgage #MortgageAdviceUK #FinancialEducation

How do mortgage interest rates work? Typically, mortgage interest rates are influenced by the Bank of England's base rate. For instance, if you hold a tracker mortgage set at 1% above the base rate, and the Bank of England's base rate is 1%, your interest rate would then be 2%. Should the base rate rise, this will be reflected in the interest you need to pay. Swipe as we explore mortgage products and how they are priced. #MortgageRates #InterestRatesExplained #UKMortgages #TrackerMortgage #MortgageAdviceUK #FinancialEducation

“Trying to beat the market is not what we are here to do.” Managing your finances can be overwhelming, particularly your mortgage, which serves as the foundation of your personal finances. Our Director Harry Arnold explores a typical client profile, offers insights on financial planning, and shares strategies for making more informed decisions for today and the future. #FinancialPlanning #MortgageAdvice #PersonalFinance #InformedDecisions #MortgageSupport #FinancialWellbeing #ExpertInsights

“Trying to beat the market is not what we are here to do.” Managing your finances can be overwhelming, particularly your mortgage, which serves as the foundation of your personal finances. Our Director Harry Arnold explores a typical client profile, offers insights on financial planning, and shares strategies for making more informed decisions for today and the future. #FinancialPlanning #MortgageAdvice #PersonalFinance #InformedDecisions #MortgageSupport #FinancialWellbeing #ExpertInsights

Our Managing Director, Adrian Anderson, is featured in a recent article by The Telegraph titled “How George Osborne Turbo-Charged Stamp Duty – and Destroyed London’s Property Market.” The article discusses how the bold changes made by the Tory chancellor have significantly affected property prices in the capital. “It’s a nasty tax that puts people off moving, I worry that people will not be able to upsize because of prohibitive costs, meaning people also won’t be able to downsize and move on. The market will get stuck.” Swipe right to read Adrian’s full quote. You can also read the full news article here: https://lnkd.in/dN678UFB For complex situations, it’s advisable to consult with an expert. Reach out to our team today. #StampDuty #PropertyMarket #LondonRealEstate #MortgageAdvice #FinancialPlanning #ExpertInsights #TheTelegraph

Our Managing Director, Adrian Anderson, serves as The Times resident Ask The Expert Mortgage Guru. Recently, a reader reached out with the following inquiry, looking for expert guidance. Q. I have been looking to move home for a year but have struggled to find anything that fitted my criteria for a family home. I accepted an offer on my property in the spring and since then the pressure has been on to find somewhere. I was relieved when I had an offer accepted on a property that had not yet gone to market. But when my mortgage lender’s survey came back they valued it at 10% less — a big reduction that I could not afford to take the hit on. I asked the estate agent if the seller would consider meeting in the middle, but they offered to chip only a few thousand pounds off. They have said they intend to put it back on the market. Surely the next buyer will have the same problem? Is there a central database where survey results are recorded? I was so relieved to have found somewhere to move to and am keen to push ahead, but don’t have the funds to make up the extra that I cannot borrow because of the valuation. What are my options? Click through the newsletter below to read Adrian's answer and to access the news article link. #Mortgage #MortgageUK #MortgageAdvice #FinancialWellbeing #MortgageExpert #TheTimes

Our newest article, titled "Betting The House: How Swap Curves Affect Your Mortgage," authored by Director Harry Arnold, is now ready for you to enjoy in Capital & Interests. Harry breaks it down for homeowners and future buyers, proving you don't need an economics degree to understand the mortgage mumbo jumbo! At its core, when interest rates rise, your payments go up; when they take a dip, your payments decrease! But what happens when the widely discussed base rate drops, yet the rate that directly impacts you actually increases? Talk about a plot twist! Click the newsletter link to explore the complete article.

In a recent post, we explored offset mortgages and their benefits. If you haven't seen it yet, feel free to check our page for more details. In a nutshell, these mortgages are game-changers for high-earners, additional-rate taxpayers who surpass ISA and personal savings allowances, self-employed individuals who need to stash some cash for tax time, and those dreaming of sprucing up their homes. Is this the right choice for you? Check out this calculation scenario to uncover just how much you could be saving! #OffsetMortgages #FinancialPlanning #MortgageAdvice #SavingsStrategy #HomeFinance #MortgageOptions #MortgagesUK #UKMortgageAdvice