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  • Welcome to the July’s Property Hub Blog. It’s been a very busy time for the property and mortgage market.

    This month we’re providing a round up of the main issues including whether you should fix your mortgage rate for longer. Why so many properties are being down valued at the moment. And, why you should sell your home before falling in love with a new one.

    As always, we will be pulling the content together from our local Salisbury property partners – what we like to call the Salisbury Property Hub. So you can be sure you are getting the latest information from the experts who understand it best. If you would like to speak to us about anything you’ve read today, please do not hesitate to get in touch.

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  • July’s Mortgage Market News

    Adam Nanson from Your Mortgage Expert provides July’s Mortgage Market News.

    Latest figures show that the number of people fixing their mortgages for longer periods is soaring. Here, Adam discusses the benefits and downsides of fixing your rate for longer periods.

    Read more
  • July Property market update

    Adam Nanson from Your Mortgage Expert provides the July Property Market update.

    According to the latest index, average house prices have risen to £250,000 for the first time. With prices booming, figures also show that 1 in 20 house prices are reduced after offer. In this article, we discuss the dangers of overly inflated prices and urges caution when offering too much for the property of your dreams.

    Read more
  • July Estate Agent Update

    Lou Fletcher from Piccolo Sales and Lettings provides July’s Estate Agent Update.

    This month, she talks about why finding a home before you have a buyer can be a huge risk.

    “If you’ve decided you want to move, you could be thinking the same as thousands of other homeowners: there’s nothing on the market, so you’ll wait to put your home up for sale until you find your next one.

    Read more
  • July Your Mortgage Expert Update

    Our Managing Director, Adam Nanson, provides the July Your Mortgage Expert update

    This month, Adam wanted to talk about why mortgage applications are taking longer than usual.

    “Across the industry, we are seeing that mortgage applications are taking far longer than usual. The amount of time it takes for an offer to be approved for example is taking up to 6 weeks which is far longer than historically.

    Read more
  • Sign up to the Salisbury Property Hub Blog

    Thank you for taking the time to read this Salisbury Property Hub Blog monthly update for July.

    We hope you found it useful and has helped you make informed choices with regards to your mortgage and property journey.

    If you would like to sign up to receive this blog every month, please leave your contact details below and we will add you to our subscription list. As always, if you decide you no longer want to hear from us, you can unsubscribe at any time.

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  • Local property partners

    At Your Mortgage Expert, we work hard to build valued connections with local and national businesses.

    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.

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  • “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

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