Archive: Welcome to our December 2022Property Blog
The December Property Blog will be our last newsletter of the year.Contact Your Mortgage Expert
So, this month we will be talking about the Christmas period. Why it is one of the busiest months for the property market. And, if you’re thinking about buying or selling, why you should act now to ensure you don’t leave it too late.
If you have any questions or think we can help, please get in touch.
Mortgage Market Update
If you are thinking about buying a new property in 2023, now is the time to get your house in order (pun intended).Read more
In our December Mortgage Market Update Adam Nanson from Your Mortgage Expert talks about why its important to find out now what you can afford. So, when you come to looking for houses in 2023, you are ready to get moving.
Property Market Update
Lou Fletcher from Piccolo Sales and Lettings provides our December Property Market Update.Read more
She talks about how the Christmas period has become one of the busiest times for house hunters. And, why more and more people are using the down time between Christmas and New Year to plan a move.
Mortgage rates update
Should you opt for a tracker or a fixed rate mortgage?Read more
We are getting asked by many of our clients whether they should opt for a fixed rate or a tracker mortgage.
So, in our December Mortgage Rates Update, Adam Nanson in detail at what is happening with Mortgage Rates at the moment. And, what are the pros and cons of fixed rate mortgages versus tracker mortgages.
Your Mortgage Expert Update
Our Christmas Opening HoursChristmas Opening Hours
As we draw towards the end of the year, we want to take this opportunity to thank you for all your support this year. It has been a tricky year for the mortgage market and it has been a pleasure to be able to help our clients navigate the changing rates and market conditions.
We will be closing the office for the festive period in order to give our busy team a well-deserved break. You can find details of our Christmas Opening hours on our website.
We know though, that some of our you have house sales going through and mortgages completing. So if there is anything urgent that you need to speak to us about over the festive period, please leave a message on the phone or send an email and we will arrange for someone to get back to you as soon as possible.
Wishing you a Happy Christmas and a Healthy New Year from us all at the Your Mortgage Expert Team.
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Local property partners
At Your Mortgage Expert, we work hard to build valued connections with local and national businesses.Find out more
Our carefully selected network of property partners are business contacts that are renowned for their customer service. While we take care in choosing local property partners to recommend to our clients, we cannot be held responsible for the service they provide. Find out more about our local property partners.
“This was knight in shining armour stuff. Our conscientious mortgage broker was a delight to deal with from the off and the key to our dream home.”
Max and Martha, First Time Buyer customers from Cardiff
“Being in the Armed Forces I am away a lot, meaning it can be hard to attend meetings, answer emails and especially hard to fill in forms. Adam and his team were extremely helpful and understanding of our situation and provided help wherever they could. After our initial meeting where we provided our required details, we actually did very little of the hard work, apart from signing a couple of papers.”
Callum and Verena, First Time Buyer Armed Forces Mortgage Customer from Salisbury
“I expect my circumstances were fairly rare, but the help and guidance I received from you was invaluable. I feel that the personal touch you provide offers something that appeals to the soldier in me. During my service I always liked to have a point of contact, someone who was the “go to” specialist in their field. This provides a degree of assurance about a situation and it was refreshing to find that same degree of certainty transitioning to civilian life, particularly with something as important as a mortgage and buying our family home.”
Andrew and Helen, Armed Forces Mortgage Customers from Salisbury
“Even though we were used to having a mortgage on the rental property, paying a mortgage on your own home was still a bit of a shock after years of having married quarter rental deducted from your pay at source. But, at every step along the way, we felt reassured, understood and that we really mattered to Adam. Trust is an important concept for military families and we trusted Adam.”
Fiona and Graham, Armed Forces Mortgage Customers from Wilton
“As a contractor, it was difficult for me to obtain a mortgage through normal channels so it was great to find a mortgage adviser that specialised in contractor remortgages and understood the challenges. In addition, I had fairly tight timescales, so wanted someone who could make the process quick and hassle free.”
Andrea, Contractor Mortgage Customer from Warminster
“I am a contractor, therefore require specialist mortgage advice. Adam has now concluded two mortgages for us (new mortgage then a contractor remortgage), and is currently arranging a buy-to-let mortgage for us. He also arranged our life insurance for us. We keep returning to him for some great reasons – he is always available, and ready to help. He provides great advice, and always ensures that he meets our requirements exactly. He is prepared to explain things in such a way that even a lummox like me can understand, and his level of service has remained consistently good over the last three years.”
Matt, Contractor Mortgage Customer from Southampton
“Adam’s advice on the different types of critical illness and life insurance were really useful. He also worked with us to decide the best combination of policies that would work with our existing policies to cover our needs. When doing this he happily tweaked quotes for us until we came out with an arrangement that was both affordable and would provide us with the level of cover we thought appropriate.”
Hannah and Steve, Protection Insurance Customers from Stamford
“Adam provided us with factual advice and also with options of which we were unaware. The advice on gifted equity was something we hadn’t heard about and this assisted us hugely to ensure repayments worked within our affordability. He provided us with a very personal service that made the journey from initial call, to mortgage offer and completion hassle free. We have already recommended Adam to someone and will continue to recommend his services in the future.”
Saul and Laura, Home Mover Mortgage Customers from Salisbury
“Mike and I collected the keys to our flat this weekend and we couldn’t be happier. It’s been a long time coming but we got there! We just wanted to say a MASSIVE thank you for everything you have done for us so far. We’ve really appreciated all the help, advice and reassurance you’ve given us all the way through this process. It’s really nice to have a friendly voice on the other end of the phone.”
Mike and Bethan, First Time Buyer Mortgage Customers from London
“Without question Adam found me a deal the estate agent’s broker couldn’t. He was very easy to contact whenever I needed him and he took time to explain the ins and outs of the Help to Buy equity loan scheme mortgage that he found me. I would rate him five out of five and will be back to use him when the time comes to remortgage or move.”
Chris, Help to Buy Mortgage Customer from Southampton
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.
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 0.3% of the amount borrowed.