Salisbury Property Blog
Welcome to the Salisbury Property blog from Your Mortgage Expert.Contact us
Each month, we aim to update you on the latest developments in the housing market. Covering everything from mortgage rates, house prices, legal updates and news for landlords. From both a national and a local perspective. We will be pulling the content for this 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.
Welcome to our February Property Blog.February Update
This month we are looking at the topic our clients ask us about the most – mortgage rates. Are they likely to go down this year, and if so when? Our guest blog this month is from Lou Fletcher from Piccolo Sales and Lettings. She looks at what landlords can expect from the rental market this year.
We hope you find this month’s newsletter useful and if we can help further, do not hesitate to get in touch.
As we draw towards the end of the year, we wanted to take some time looking at what is happening with Mortgage Rates right now. How they peaked?December Update
Is now the time to take out a new mortgage or should you wait to see if rates start to fall? We also introduce readers to our new Mortgage Podcast. You can read our Christmas Opening hours for 2023 to New Year 2024 here as well.
It’s been a tricky few months for the mortgage and property market. With lots of negative headlines dominating the media.October Update
In our October Update, we look at what is happening with Lender Rates and also with house prices. With the Bank of England set to review the base rate at the start of November. If your current deal is up for renewal in the next 6 months, we explain why you should act now to secure your rate.
Summer Remortgaging Newsletter
The base rate and the current "Mortgage Crunch" have been hitting the headlines.Summer Update
So in our Summer Newsletter, we are focusing on Remortgages. It’s never to early to get organised. So if your current deal is coming to an end in the next six months or you are planning for the future, we have all the information you need to get prepared.
Welcome to our May Property and Mortgage NewsletterMay Update
In this edition, we will be digesting the two big announcements from the mortgage industry over the last month. The first is the return of 100% mortgages which could be interesting news for First Time Buyers. The second is the rise of the Bank of England Base rate. We look at what this means for home owners and mortgage rates.
As we move into warmer months, the property market also traditionally heats up.April Update
So this month we look at what is happening with mortgage rates and whether house prices are still on the rise. We also hear from our friends at Piccolo Property sales and lettings who have some top tips for boosting your sales price. Thank you for taking the time to read our April Property Blog and if you have any questions we would love to hear from you.
With Spring in the air and warmer weather on the horizon, now is typically the time for home owners to think about home improvements.Read more
With this in mind, in this issue we look at how Your Mortgage Expert can help you fund your home improvements with our top tips for funding your renovation. We also hear from Boatwrights Estate Agents who look at which home improvements they are finding home buyers are looking for right now and which are adding the most value.
Salisbury Property Blog Archive
Interested in reading historic issues of our Salisbury Property BlogRead More
On this page, you will find previous issues of our Property Blog. Please note, as these are historic issues, the information within them may be out of date.
Please contact us for the most recent advice and guidance.
“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
There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.
Your property 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 0.3% of the amount borrowed.