Hello again. I hope you’ve had a lovely Christmas.
Whether you’re already back to work or if you’re off till the new year, I hope you’ve still go some lovely things to look forward to in the next few days.
Last week I reflected on the past year and how quickly it’s flown by!
This week I wanted to share with you my plans for next year.
In terms of managing my social media – Linked In, Facebook, Twitter and Instagram – I haven’t (to date!) had much of a plan or theme. During 2019 I wanted to make it a bit more structured and hopefully, easier to follow!
I will take 12 general “themes” and have one theme each month (so far, so good!). I will share content I think may be of use or interest. For example, if I’ve come across an issue in a particular area which may be helpful to others, I’ll share it. If you have any particular questions about any of these subjects them please feel free to get in touch. Be aware that anything shared on social media is generic and shouldn’t be considered “advice”.
If you have any questions relating to your specific circumstances then please feel free to get in touch privately.
So, here’s what’s on the cards for 2019:
January – Buying a home.
Buying a new property with a mortgage. Being prepared, what you can do in advance and how to make the process as smooth as possible.
February – Re-mortgaging.
Although the process is similar, preparing to re-finance your existing home is different to buying a new property. Hints and tips. And timings.
March – The Application Process.
What should you expect during the mortgage application process?
April – Buy to Let.
Financing an investment property with a mortgage is different to arranging a mortgage for a property you intend to live in.
May – Help available from other professionals.
There is a whole ream of help out there from 3rd parties. Knowing who to turn to may help you at some time now or in the future. For example, estate agents, letting agents, accountants, tax specialists, book-keepers, financial advisors, surveyors and conveyancers.
June – Different types of Mortgage.
Maybe “a mortgage is just a mortgage”, but do you know the different types of mortgages available to you and do you know their pros and cons? What may be beneficial to your friends or family may not be as good for you and your personal circumstances.
July – Your Credit Report.
Things affecting your ability to get a mortgage relating to your credit score and credit rating may not be just as simple as adverse credit.
August – Equity Release.
Recently there has been a huge increase in the requirement for “later life lending”. People own their own property which is worth significantly more than they paid for it due to house price increases. Often, though, people have only their state pensions to live on. They are considered “asset rich and income poor”. During August, we’ll talk about Equity Release.
September – Financial Protection.
You own your own home. But are you – and your home – financially protected in the event the worst happens? If you lose your income, or your health is affected? During September we’ll discuss financial protection.
October – Be Prepared.
Being prepared means looking at options available to you in advance. Making sure everything’s ready before the last minute.
November – Other types of Property Finance.
A mortgage is one type of finance secured against the value of a property. However, there are options available in the event a new mortgage or re-mortgage doesn’t suit your requirements or current financial situation. For example, a secured loan or bridging loan may be something you’d like to consider.
December – Frequently Asked Questions.
There are questions that come up often in my conversations with people. They cover various topics and during December, I’ll share them with you.
I look forward to seeing you again in 2019 and thank you again for your engagement and support during 2018.
If you need to consider your options for a new mortgage or a re-mortgage next year then please don’t hesitate to get in touch at any time for a complementary initial review.
In the meantime, here’s wishing you a Happy New Year!
Your home may be repossessed if you fail to keep up the repayments on your mortgage.
Buy to let mortgages are not regulated by the Financial Conduct Authority.
Equity Release will reduce the value of your estate and can affect your eligibility for means-tested benefits.