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Start with a PLAN

DON'T TOUCH YOUR SUPER-LOW RATE FIRST MORTGAGE! Give yourself the gift of financial flexibility! A HELOC gives you the flexibility to access funds when you need them most. Whether it’s for gifts, a winter getaway or tackling new projects in the coming year, your home’s equity can help you stay financially comfortable without dipping into savings.

Don’t fall for the third biggest money mistake: 𝐏𝐚𝐲𝐢𝐧𝐠 𝐨𝐟𝐟 𝐲𝐨𝐮𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐢𝐧 𝟑𝟎 𝐲𝐞𝐚𝐫𝐬! 🏠⏳ Banks profit off your long-term interest. By paying off your mortgage sooner, you can build wealth faster. Be intentional with your income, reduce debt quickly, and invest wisely for a brighter financial future. https://lnkd.in/gJttuWm5

Don’t fall for the third biggest money mistake: 𝐏𝐚𝐲𝐢𝐧𝐠 𝐨𝐟𝐟 𝐲𝐨𝐮𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐢𝐧 𝟑𝟎 𝐲𝐞𝐚𝐫𝐬! 🏠⏳ Banks profit off your long-term interest. By paying off your mortgage sooner, you can build wealth faster. Be intentional with your income, reduce debt quickly, and invest wisely for a brighter financial future. https://lnkd.in/gQBCnx2k

🎅🏠📜 'Tis the season for Mortgage Note Investing and a visit from Santa Claus! 🎄🎁As we deck the halls and spread holiday cheer, let's not forget that sound #financialplanning and smart investments can make every season bright. 🌟 Just as Santa carefully prepares his list, checking it twice, we too should consider our investment strategies with care. #Noteinvesting offers a unique avenue for financial growth, and it's the gift that keeps on giving throughout the year. 🏦💼 #MerryChristmas

As we age, financial security becomes crucial. Many seniors worry about the future of Social Security and Medicare, fearing these programs might not cover their needs. A Reverse Mortgage can be a valuable tool to ensure stability and peace of mind. If you're a senior worried about future benefits or struggling with monthly cash flow, a Reverse Mortgage might be the solution. Don't wait until financial pressures become overwhelming. Check out the full story. 📞 Contact Michael Pankow, NMLS 220611, at 916.296.7765 with all inquiries. #ReverseMortgage #FinancialSecurity #SeniorLiving #RetirementPlanning

🏡 Ever heard of a gift of equity? It’s a game-changer for buying a home from family! Here’s how it works: Instead of just giving you a discount on the price, your family can offer a gift of equity. For example, if the home is worth $400,000, and they give you $80,000 as a gift, the bank sees it as if you’ve put down 20%. That means: ✅ No mortgage insurance ✅ Better loan terms ✨ Pro tip: You can even use the gift of equity to cover closing costs or buy down your interest rate. That means you could walk into closing with zero money out of pocket and still get the best terms available! 👉 Want more tips like this? Hit that follow button to stay in the know!

Feeling like your mortgage payments are a ball and chain holding you back? Refinancing might just be the key to unlocking your financial freedom! 💸🔓 By adjusting your mortgage terms, you could save significant money and loosen those financial chains that are keeping you down. Imagine the relief and freedom of paying less each month! Let’s break those chains together and see how much you could save. Ready to explore your options? DM me today! 📬✨

Improving your credit score is a good place to start if you’re hoping to boost your financial literacy or save up for a mortgage. Capital One UK has shared these simple tips if you’re unsure where to begin… 👇 👇 👇 1. Make sure you’re on the electoral register: Even if you’re not planning to vote, getting yourself registered is important for your credit score. You should use your current address, even if you’re...

Don’t Miss the Personal Tax Deadline! ⏰ The clock is ticking—31st January 2025 is your last chance to file your self-assessment tax return and avoid penalties. Whether you're self-employed, a landlord, a company director, a high earner, or an investor, staying on top of this deadline is key to maintaining your financial health. Need help navigating the process or understanding how this impacts your mortgage applications? We’re here to guide you! ☎️ 01392 905906 📧 lewis@thesmartmortgageco.co.uk 🌐 https://lnkd.in/eaMKkvda Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the actual amount borrowed.