MORTGAGE STYLE LTD’s Post

For young people, the thought of securing a mortgage can feel impossible. It can be tough to save up a deposit substantial enough to secure the best mortgage. You can get a 95% LTV mortgage relatively easily if you meet the affordability criteria for the loan amount you need. There is also some possibility for 100% depending on your circumstances. There are also guarantor mortgages, where a family member agrees to pay the mortgage if you are unable to, family assist mortgages, when a family member loans you the deposit for a certain number of years, and there are first time buyer schemes. If you feel like you securing a mortgage is impossible, feel free to get in touch and see how I can help you. If you would like to see if I can help you, why not send me a DM, or visit my website to book a free consultation. https://lnkd.in/eTmhKP8d YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON ANY LOAN OR MORTGAGE SECURED ON IT. Joanne Pay Mortgage and Protection is an appointed representative of Mortgage Saving Experts ltd, which is authorised and regulated by the Financial Conduct Authority - FCA number 779662 Joanne Pay Mortgage and Protection is authorised and regulated by the Financial Conduct Authority- FCA number 1014198 #mortgagemythmonday #mythbuster #jpmortgageandprotection #mortgages #remortgage #knowledgeispower #buytolet #incomeprotection #protection #insurance #educate #property #womeninfinance #home #family #mortgagetips #mortgageadvice #workingmum

For young people, the thought of securing a mortgage can feel impossible. It can be tough to save up a deposit substantial enough to secure the best mortgage. You can get a 95% LTV mortgage relatively easily if you meet the affordability criteria for the loan amount you need. There is also some possibility for 100% depending on your circumstances. There are also guarantor mortgages, where a family member agrees to pay the mortgage if you are unable to, family assist mortgages, when a family member loans you the deposit for a certain number of years, and there are first time buyer schemes. If you feel like you securing a mortgage is impossible, feel free to get in touch and see how I can help you. If you would like to see if I can help you, why not send me a DM, or visit my website to book a free consultation. https://lnkd.in/eTmhKP8d YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON ANY LOAN OR MORTGAGE SECURED ON IT. Joanne Pay Mortgage and Protection is an appointed representative of Mortgage Saving Experts ltd, which is authorised and regulated by the Financial Conduct Authority - FCA number 779662 Joanne Pay Mortgage and Protection is authorised and regulated by the Financial Conduct Authority- FCA number 1014198 #mortgagemythmonday #mythbuster #jpmortgageandprotection #mortgages #remortgage #knowledgeispower #buytolet #incomeprotection #protection #insurance #educate #property #womeninfinance #home #family #mortgagetips #mortgageadvice #workingmum

Contrary to popular belief, you don't need to completely stop using your credit card before your application. 😯 However, it's wise to be mindful of your spending habits. Lenders will scrutinise your recent credit activity, so aim to keep your credit utilisation low and avoid any large purchases. 💳 Responsible credit card use can actually demonstrate good financial management to potential lenders. Remember, consistency is key. Maintain your usual spending patterns and always make payments on time. 🕰️ Need more advice on preparing for your mortgage application? Get in touch with our expert team today for personalised guidance. 📱 A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. #corby #wellingborough #northamptonshire #mortgagebroker #mortgage #insurance

For young people, the thought of securing a mortgage can feel impossible. It can be tough to save up a deposit substantial enough to secure the best mortgage. You can get a 95% LTV mortgage relatively easily if you meet the affordability criteria for the loan amount you need. There is also some possibility for 100% depending on your circumstances. There are also guarantor mortgages, where a family member agrees to pay the mortgage if you are unable to, family assist mortgages, when a family member loans you the deposit for a certain number of years, and there are first time buyer schemes. If you feel like you securing a mortgage is impossible, feel free to get in touch and see how I can help you. If you would like to see if I can help you, why not send me a DM, or visit my website to book a free consultation. https://lnkd.in/eTmhKP8d YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON ANY LOAN OR MORTGAGE SECURED ON IT. Joanne Pay Mortgage and Protection is an appointed representative of Mortgage Saving Experts ltd, which is authorised and regulated by the Financial Conduct Authority - FCA number 779662 Joanne Pay Mortgage and Protection is authorised and regulated by the Financial Conduct Authority- FCA number 1014198 #mortgagemythmonday #mythbuster #jpmortgageandprotection #mortgages #remortgage #knowledgeispower #buytolet #incomeprotection #protection #insurance #educate #property #womeninfinance #home #family #mortgagetips #mortgageadvice #workingmum

Great to be getting some good news on rates lately. On Monday Kelly saved two clients over £100 per month on their mortgages. Rates aren’t as low as they were at the end of 2021 but they’re better than they’ve been for the last 12 to 18 months. With so much change, you need a mortgage advisor who can quickly provide a summary of the right options for you. We charge a fee for our service but there’s nothing to pay until you’re happy to go ahead with our recommendation. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. There may be a fee for mortgage advice. The precise amount of the fee will depend on your circumstances and will be discussed and agreed with you at the earliest opportunity. Typically, in most cases, our fee will be £495. We charge £595 for bridging and adverse credit cases; and £995 for Later Life Lending. #rates #ratechange #baserate #mortgagerate #mortgagerates #mortgage #mortgagebroker #mortgagebrokerbristol #mortgagestyle #mortgages #mortgageadvice #mortgageknowledge #mortgagesupport #mortgagehelp #awardwinning #awardwinningadvice

The Average First Time Buyer Deposit may be £36,000, but don't worry if you don't have that much in savings! 💷 For many saving that amount of money is a distant dream, but that's based on a 10% deposit for a home There are alternatives in the form of: 🌟 5% Deposit Mortgages 🌟 100% Mortgages 🌟 Shared Ownership If you're eager to get your feet on the property ladder, and want to know how you could achieve this, we could help! We have experience in working with lenders who help those looking for 100% mortgages, have 5% deposits or are looking for a shared ownership home 🏡 Source: https://buff.ly/3PhEq8H Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is £495. Alder Rose Mortgage Services LTD is authorised and regulated by the Financial Conduct Authority no, 923776

An Individual Voluntary Arrangement (IVA) is a formal agreement to repay debts over time. In the UK, an IVA stays on your credit file for six years from the approval date, impacting your credit score and ability to obtain new credit. We’ve put together this guide to help you know how long an IVA stays on your credit report and things to be aware of if you are in this unfortunate position. 👉 https://buff.ly/3tuoGbs If you have any more queries, you can connect with our mortgage advisors for a call now. “As a mortgage is secured against your home/property, it could be repossessed if you do not keep up the mortgage repayments". #iva #badcredit #badcreditmortgage #mortgage #lendingline #uk #fyp

Deposits for self-employed mortgages start from 5% but are based on affordability and credit history. If you have adverse credit, for example, you may find lenders require a higher deposit to mitigate some of this risk. 💳 If, however, you have a perfect credit score and are generating a large and sustainable income, there is scope for you to find a specialist lender asking for a lower amount. When the Bank Says No can look into all the mortgage options and best sole trader mortgage rates available to you and help you work things out to secure a good deal. ✅ Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender. When The Bank Says No is a trading name of Alder Rose Mortgages Limited whom are directly authorised and regulated by the Financial Conduct Authority under FCA No. 923776.

Yes, although it would depend on the severity of the bad credit. Lenders will all have a look at your credit history and based on what's on the credit report, they will decide whether they can lend or not. Some standard lenders are more comfortable with credit glitches, and if they’re specialist you might pay a bit more on the rate. There are definitely lenders out there that can help. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. There may be a fee for mortgage advice. The precise amount of the fee will depend on your circumstances and will be discussed and agreed with you at the earliest opportunity. Typically, in most cases, our fee will be £495. We charge £595 for bridging and adverse credit cases; and £995 for Later Life Lending. #mortgage #mortgagebroker #mortgagebrokerbristol #mortgagestyle #mortgages #mortgageadvice #mortgageknowledge #mortgagesupport #mortgagehelp #awardwinning #awardwinningadvice