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Your Mortgage Expert wins best Small Business Award

Your Mortgage Expert wins best Small Business Award

Your Mortgage Expert is proud to announce they were crowned best Small Business at the South Wilts Business of the Year Awards 2019. The glittering award ceremony took place on 20th June at the City Hall in Salisbury and over 170 companies entered one of the 13 categories designed to highlight excellence in business in the City. Judged by the Salisbury and District Chamber of Commerce, the best Small Business Award recognises the very best of South Wiltshire’s small companies with between £150,000 and £500,000 turnover. Adam Nanson, Managing Director of Your Mortgage Expert comments: “We were delighted to win the best Small Business Award, especially as so many amazing local businesses entered and were short listed. Abby and I set up Your Mortgage Expert because we believed there was an opportunity in Salisbury to offer a personal and high quality mortgage advice service like ours. One that grows through referrals as a demonstration of a high level of customer service. We believe in our business and it is truly rewarding to have our business independently recognised in this way. “It’s been a tough year for the Salisbury Mortgage and Housing market. And, without dwelling on the past, its important that we recognise how resilient businesses like ours have been in the face of all the challenges. Local endorsements such as the Sunday Times listing Salisbury as the best place to live and great events such as Armed Forces Day taking place here are truly helping Salisbury to return to glory. We are hugely positive about the future and look forward to further cementing our place in the Salisbury community.” Andy Rhind-Tutt, President of Salisbury and District Chamber of Commerce and Industry, and one of the judges of the awards comments: “Abby and Adam have not only demonstrated an exceptional business model but also showed us how two people could see a need, take a leap of faith by both leaving established careers and develop a fantastic business that delivers results and provides support for the local community. We have no doubt at all they will continue grow their business and become a real asset for Salisbury and South Wiltshire.” Your Mortgage Expert is a family run, independent mortgage advice firm. They are based in Salisbury in the South of England, but can help no matter where you live in the UK. To speak to them about your next mortgage, ring them now on 01722 322683 or complete a contact us form and they will call you back. Your Mortgage Expert doesn’t charge for an initial consultation, so by speaking with them, you won’t be under any obligation. To find out more, visit the about us section on the website. In 2017, Your Mortgage Expert won the best New Business award at the South Wilts Business of the Year awards and were finalists in the Small Business Category in 2018. To find out more about the South Wilts Business of the Year Awards 2019, visit their website on https://www.swboyawards.co.uk/. Or for more on the judges, the Salisbury and District Chamber of Commerce, http://www.salisburychamber.co.uk/. Please note, by clicking on these links, you will be departing from the regulated site of Your Mortgage Expert Ltd. Neither Your Mortgage Expert Ltd nor TenetLime are responsible for the accuracy of the information contained within the non-regulated site. The information contained within this article was correct at the time of publication. It is intended for information only and should not be used as a basis for purchasing any products. We cannot be held responsible for something that was correct at the time but subsequently changes or goes out of date. For further information, contact Your Mortgage Expert on 01722 322683. 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.  

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Demand for Equity Release soars

A recent data released by the Equity Release Council (ERC), Equity Release was the fastest growing sector of the Mortgage Market in 2018. Their figures show that 50 pence of housing wealth was unlocked during 2018 for ever £1 of flexible pension payments*. What this means for home owners Adam Nanson, Managing Director at Your Mortgage Expert in Salisbury comments: “It comes as no surprise to us that Equity Release is becoming increasingly popular. It can seem like an attractive option because these products can help you to release a tax-free lump sum, a regular income or both, release funds when you need it and unlike mortgage lending, enables you to spend your money on pretty much anything you choose.” How Your Mortgage Expert can help Adam Nanson continues: “If you’re a home owner aged over 55, you may want to unlock some of the money tied up in your home. This is where Equity Release Mortgages can be useful because they enable you to free up some of the equity held in your home without having to commit to a monthly mortgage payment. “However, Equity Release isn’t for everyone and we would recommend you get some appropriate advice before taking any steps. You need to think carefully before you decide whether it’s for you – it’s all about weighing up the pros and cons. That’s why we have specialist knowledge on the subject and can give you all the facts, point out the features and the risks, and give you a personalised illustration.” For further information and to have a no obligation conversation, why not get in touch? We will talk you through all the options and help you to understand whether there are alternative options which might be more appropriate in your circumstances. Simply complete an online Contact form all call the office on 01722 322683 and ask to speak to Dan Allen who is our resident Equity Release expert. The information contained within this article was correct at the time of publication. It is intended for information only and does not constitute advice. TenetLime Ltd cannot be held responsible for information that was correct at the time of publication but subsequently changes or goes out of date due to changes in legislation. For further information, contact Your Mortgage Expert on 01722 322683. 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. EQUITY RELEASE MAY REQUIRE A LIFETIME MORTGAGE OR HOME REVERSION PLAN. TO UNDERSTAND THE FEATURES AND RISKS, ASK FOR A PERSONALISED ILLUSTRATION. EQUITY RELEASE IS NOT RIGHT FOR EVERYONE. IT MAY AFFECT YOUR ENTITLEMENT TO STATE BENEFITS AND WILL REDUCE THE VALUE OF YOUR ESTATE. Please note, by clicking on the link below you will be departing from the regulated site of Your Mortgage Expert Ltd. Neither Your Mortgage Expert Ltd nor TenetLime Ltd are responsible for the accuracy of the information contained within the non-regulated site. Source: https://www.whatmortgage.co.uk/news/equity-release/demand-equity-release-soars-2018/  

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Salisbury named the best place to live in Britain

Salisbury has been crowned the best place to live in the UK according to the Sunday Times. The judges felt that its “glorious Cathedral” and “divine beauty” coupled with it’s close proximity to the coast and excellent connections to London and the Countryside made it an ideal place to live*. Adam Nanson from Your Mortgage Expert which is based in Salisbury comments: “We couldn’t agree more that Salisbury is an excellent place to live and work and its great that the Sunday Times has recognised this in our Medieval City. As well as it’s excellent location, the judges also commented on the schools, our local market and the culture of the City, all of which helped it to win this accolade. “This all comes just over a year after our City was rocked by the Novichok incident. And, we couldn’t agree more that the spirit of Salisbury has helped us bounce back even stronger. “House prices in Salisbury are likely to respond positively to news like this. We know how lovely it is living in Salisbury, but now the whole of the UK knows and it is likely to attract more people to the area. “If you are interested to speaking to a Mortgage Broker based in the heart of Salisbury, then why not get in touch? We understand the local market, have excellent connections with local estate agents and conveyancers and will be by your side every step of the way.” If you are interested in applying for a mortgage, why not speak to Your Mortgage Expert? We don’t charge for the initial consultation, so by speaking to us, you are under no obligation. We are based in Salisbury, Wiltshire, but we can help you no matter where you live in the UK. Simply call us on 01722 322683 or complete a contact us form on our website and tell us when it would be best to get back in touch with you. The information contained within this article was correct at the time of publication. It is intended for information only and does not constitute advice. TenetLime Ltd cannot be held responsible for information that was correct at the time of publication but subsequently changes or goes out of date due to changes in legislation. For further information, contact Your Mortgage Expert on 01722 322683. 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. Please note, by clicking on the link below you will be departing from the regulated site of Your Mortgage Expert Ltd. Neither Your Mortgage Expert Ltd nor TenetLime Ltd are responsible for the accuracy of the information contained within the non-regulated site. *Sources: https://www.spirefm.co.uk/news/local-news/2851072/salisbury-tops-list-of-best-places-to-live-in-the-uk/ and https://www.salisburyjournal.co.uk/news/17572762.salisbury-has-been-named-as-the-sunday-times-best-place-to-live-in-britain/

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Adam Nanson has been rated a top adviser in the UK

On Saturday 23rd February, the Times Newspaper published a supplement listing the Top 250 Mortgage Advisers in the UK based on reviews on the independent consumer ratings website VouchedFor. We are proud to say that Adam Nanson from Your Mortgage Expert was featured as a top adviser. Adam Nanson comments: “In total, 53 of my clients have taken the time to rate my services on VouchedFor. And, the average of these reviews has given me a rating of 4.9 out of 5 on the website which makes me extremely proud and grateful. I’d like to thank all of the clients who took the time to share their positive feedback on VouchedFor. Feedback helps us better understand whether we are providing a really good service to our clients and these reviews tell us that, in general, our clients are happy.” You can see Adam Nanson’s top adviser reviews by going to https://www.vouchedfor.co.uk/mortgage-advisor/salisbury/25483-adam-nanson. The supplement that was printed in the Times can be read here: https://assets.vouchedfor.co.uk/guides/ultimate-guide-2019.pdf. Please note, by clicking on this link, you will be departing from the regulated site of Your Mortgage Expert Ltd. Neither Your Mortgage Expert Ltd nor TenetLime are responsible for the accuracy of the information contained within the non-regulated site. Adam Nanson is an Independent Mortgage Broker and Managing Director of Your Mortgage Expert in Salisbury. He has worked in the mortgage and protection industry for over 17 years and always dreamed of setting up his own firm which he did in 2015. As Managing Director, Adam is responsible for the all operational aspects of running an independent mortgage brokerage as well as advising on and processing applications. He also works with other local businesses to establish positive and reciprocal working relationships. You can contact Adam, or any member of his team for a no obligation conversation via 01722 322683 or email him at adam@your-mortgage-expert.co.uk 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.

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Your Mortgage Expert launches discount for armed forces personnel

We are delighted to announce that we are offering a discount from our fee for armed forces personnel. Based in Salisbury, independent mortgage broker firm Your Mortgage Expert is surrounded by towns and villages which are populated by many members of the armed forces. And, as a thank you for all they do for us, we are offering a discount for armed forces personnel from our standard fee.

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Main four critical illnesses take more than £15bn out of the UK economy each year

Latest figures from Legal and General have found that the four main critical illnesses have a huge impact on the UK economy. In fact, cancer, multiple sclerosis (MS), strokes and coronary heart disease have a combined impact on the UK economy of £15.2bn*. What this means to individuals and families Adam Nanson from Your Mortgage Expert comments: “The sad truth is that, when people fall ill, they generally have to take time off work and, in most cases, a cough or a cold means a few days’ of work missed. But, this research shows that in the unfortunate event that an individual comes down with a more serious illness, it means more time off work and a huge impact on productivity. “Whilst this research is mainly focusing on the impact to UK workforces, it is important to consider how time off work impacts the finances of individuals. Especially those whose employers don’t provide sickness pay for extended periods or those who are self-employed.” How Your Mortgage Expert can help Adam Nanson continues: “The question we ask our clients is that, if you were to come down with a serious, critical illness, would you be adequately protected to pay your ongoing bills should you be unable to work for any length of time? “Whether people have taken their mortgage out with us or not, we can help clients understand if they have adequate levels of cover to protect them. We will take the time to talk you through all your options, look at all your income and expenditure, see what you are provided through your current employment and provide you with the necessary advice. “At Your Mortgage Expert, we offer advice on a range of protection products to help look after you and your family. Some of these products can be complicated so we believe it’s best to speak to someone to find out what’s most suitable for you. Contact Your Mortgage Expert to have an in-depth, no obligation conversation about your life, critical illness and income protection needs.” To find out more about the protection products Your Mortgage Expert can advise you on, take a look at our dedicated page. Alternatively, contact us. We don’t charge for a consultation, so by speaking with us, you won’t be under any obligation. To find out more about our services and how we operate, visit our about us section. IF THE POLICY HAS NO INVESTMENT ELEMENT THEN IT WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE. THE POLICY MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. FOR DEFINITIONS PLEASE REFER TO THE KEY FEATURES AND POLICY DOCUMENT. The information contained within this article was correct at the time of publication. It is intended for information only and does not constitute advice. TenetLime Ltd cannot be held responsible for information that was correct at the time of publication but subsequently changes or goes out of date due to changes in legislation. For further information, contact Your Mortgage Expert on 01722 322683. Please note, by clicking on the link below you will be departing from the regulated site of Your Mortgage Expert Ltd. Neither Your Mortgage Expert Ltd nor TenetLime Ltd are responsible for the accuracy of the information contained within the non-regulated site. Source correct at time of publication: *Source: https://www.healthinsurancedaily.com/health-insurance/product-area/life-critical-illness/article486955.ece

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Help to Buy Scheme to end in March 2023

Help to Buy Scheme to end in March 2023

In the latest Budget, the Chancellor Philip Hammond announced that the Help to Buy scheme would close in March 2023. He also revealed that the current Help to Buy Equity Loan scheme will change from 2021 to try and ensure it is targeted at those who need it most, ie First Time Buyers. He said that the Government does not intend to introduce a further Help to Buy Equity Loan scheme after March 2023*.

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