Severn Mortgage And Protect

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The beginner’s guide to taking control of your finances

Taking the time to manage your money better can really pay off, even if it may seem like an overwhelming task. It doesn’t have to be. Here are 5 tips on how to better manage your finances.

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The importance of reviewing your mortgage

With the rate of inflation at a 40-year high and the Bank of England set to raise the base rate of interest again its easy to see why the cost-of-living crisis is dominating news headlines. Given a mortgage is most people’s biggest financial commitment there are some precautions you can take to help limit the impact of rising interest rates on your biggest monthly outgoing, your mortgage.

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A short guide on self-employed mortgages

Are you self-employed and wanting to purchase a home? There are several things you need to know when it comes to being self-employed and taking out a mortgage: the requirements and how to boost your chances of getting a mortgage when you’re self-employed.

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What help for first time buyers is there?

With the Help to Buy Equity Loan scheme, which has helped many first time buyers buy homes with a 5% deposit, closing to new applications on 31 October, what are your other options?

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Why remortgage now? Here’s what you need to know

We’re all busy so before adding something else to your to-do list you may be asking why remortgage now? Well it will depend on your circumstances but there are potentially some very good reasons why you might want to. That’s why we’ve put together this article to explain everything you need to know.

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Protection insurance: Why cheap alternatives could let you down

While we’re all looking at ways to tighten our belts due to the cost of living crisis when it comes to protection insurance it’s vital you don’t confuse cheaper insurance with better. If you want to review your cover it’s important to speak to an adviser so you’re fully informed, and here's why.

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Lewis and Rachel's Story

We have spoken with two of our customers, Lewis and Rachel about what it has meant to them to have the right insurance in place after their daughter was born very sick. And the advice that they would give you when it comes to insurance.

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Covid’s not curtains - why receiving a grant doesn't mean the end of your dream home

A recent report from the BBC highlighted the difficulties faced by those still on furlough in securing mortgages. Lenders are being selective and more cautious as it can be harder to evidence income and they're required to lend responsibly, but through the advice of a broker you can find options. Our advice is: don't despair. There are still opportunities in a post-pandemic world who will lend to you so that you land your dream home.

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Government’s 95% mortgages guaranteed to put a spring in the step for first time buyers

The changing seasons may bring longer days and brightening skies but there is also a sense of optimism for many homebuyers across the UK recent announcements from the Government. First came the much-requested extension of the Stamp Duty holiday, which has alleviated concerns of a “log-jam” in higher ends of the market but that was followed by news of the government guaranteed 95% mortgages.

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Rubber Stamped - Duty Extension proves popular for adding value to the home and market

Three month extension to stamp duty holiday provides peace of mind for those homeowners already in the process of a sale or purchase.

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Housing market making all the Rightmoves despite Stamp Duty uncertainty?

One of the most widely respected market reports has been released with updated figures showing 4 key factors for home buyers and sellers to consider.

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Stamp duty holiday debate rages on despite postponement by Rees-Mogg

The media has been awash with Stamp Duty extension headlines this week and shows no signs of stopping. A petition passing the critical 100,000 threshold should trigger a debate in the Commons but this may not happen now due to the Covid 19 outbreak.

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Welcome to the home of great mortgage advice in Shrewsbury.

As a local mortgage broker based in Shropshire our experienced mortgage and protection advisers can provide expert advice on property-related lending and a full range of lifestyle and income protection cover to protect you from the unexpected.

Whether you are thinking of buying your first home, remortgaging to fund home improvements or looking to expand your buy-to-let portfolio our advisers are here to help. With access to over 12,000 mortgage products from over 90 UK lenders, we can find the mortgage deal that is right for you.

We also provide access to Mortgage Advice Bureau’s Home Hub. A completely free home moving service, that gets you set up with everything you could possibly need in your new home. Let us help organise your move with 15 different professional services from removals to broadband and energy switching.

Because we play by the book we want to tell you that…

Your home 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.

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