FAQs

WHY YES MORTGAGE SERVICES

Rather than charging our customers for advice, we are paid a commission directly by the lender (in the same way that all other Mortgage Advisors or Mortgage Brokers are).

This means you don’t have to pay us a penny for our services. Once we’ve recommended a particular mortgage, you will receive a key facts illustration document, which will tell you about any costs relating to the mortgage and any fees we will receive from the Lender.

As a company, we believe everyone should have access to quality financial advice regardless of their financial status.  We want to look after you for the lifetime of your mortgage/home ownership ensuring that you never have to pay more than you should on your loan, whether you remortgage, move home or make any subsequent property purchase.

Always check with any broker you are considering using how much you will be charged and make sure you have this information in writing before you proceed. Even though we at Yes Mortgage Services Limited don’t charge you any fees, we will always let you know exactly how much we will receive in commission from the lender.

As well as understanding how much you’ll have to pay for mortgage advice, you should always check with any broker you are considering using whether the advice they offer is restricted or not. If it is restricted, that means they will only be able to offer you mortgages from one or just a few lenders.  Again at Yes Mortgage Services Limited we’re not tied to any particular provider or even a limited selection of providers – we have access to a wide range of products from both the High Street Lenders and specialist products not available elsewhere, which means we can look across to all lenders to help you find the right deal that will suit your personal needs and situation.

Your Mortgage Advisor will automatically keep you updated by phone and email. Should you wish to discuss your mortgage application at any time then please just call.

Your personal Mortgage Advisor will be able to explain any queries you have.

FIRST TIME BUYERS

A mortgage, also called a mortgage loan, is the money you borrow from a lender towards the cost of a house or flat.

The lender will charge you ‘interest’ in return for lending you the money. Therefore over the term of the mortgage you will need to pay the lender interest, and repay the amount you originally borrowed fully before the mortgage ends.

The security for the loan is the property itself. This means that if you do not keep up your mortgage repayments, the lender may decide to get their money back by repossessing your home and selling it. For this reason, taking on a mortgage is probably the biggest financial commitment you will ever make.

FINANCES

Every Mortgage Lender will be different in their approach to what you can borrow and unfortunately there is no set calculation. The actual amount you’re able to borrow will be determined by eligibility: the cost of the property you wish to purchase, the size of deposit you have, your income and affordability (taking into account your monthly financial commitments and any future commitments).

Our Mortgage Calculator can give you an initial idea but it’s worth booking a call for us to provide you with bespoke mortgage advice based on your needs & circumstances.

Depending on circumstances we can look at mortgages that start with just a 5% deposit.

If you’re able to save more and can afford a bigger deposit, you’ll probably get a better rate.

The answer to this is simply down to what you can afford. We would always advise speaking to Mortgage Advisor to ascertain what mortgage term (or length) is suitable to your circumstances.

The answer to this is simply down to your situation and what you can afford; although in some cases it might be a lender’s condition for the loan to be repaid by a certain age.

We would advise speaking to one of our Mortgage Advisors to ascertain what term is suitable to your circumstances.

All lenders have different forms of acceptable income.  By discussing your whole situation and income with one of our Mortgage Advisors, we can explain which lenders will accept your income.  We have access to lenders who accept other forms of income and not just your salary. Income such as zero hours contacts, foster parent income, rental income, DWP income & allowances, irregular commission & bonuses and shift allowances.

Lenders will want us to show them proof of your income as well as your outgoings, including things like childcare costs and utility bills. 

You’ll therefore be asked for at least 3 months worth of recent payslips together, or your annual accounts if you’re self-employed, as well as bank statements detailing your monthly spending.

Lenders will also want to see proof that you are who you say you are, and you will need to produce photo ID such as passport or driving license, and recent utility or council tax bills showing your address.

Remember, if you’re not sure about any part of the mortgage process, get professional help. 

Our mortgage advisors know that getting a mortgage isn’t always easy or straightforward, so they can answer any questions you have and help you find the mortgage that suits you and your situation best.

We have a comprehensive range of products from across the market; this includes products to help people that may have had issues with credit in the past.

Typically the list of fees could include:

Valuation fee – charged by the lender to value the property and generally paid up front with your application

Solicitors fees – charged by the solicitor to complete the conveyancing transactions on the property. Your solicitor may ask for part of this to be paid up front when you instruct them and the remainder is paid upon completion.

Stamp duty land tax – a tax levied by the government on any property purchase over a particular price.

Lender arrangement fees/Booking fees – charged by the lender for arranging the loan. This can be added to the loan in most circumstances but will therefore increase the size of the loan.

Broker fees – rather than charging our customers for advice, we are paid a commission directly by the lender (in the same way that all other Mortgage Advisors or Mortgage Brokers are).

Both of these rates are variable which means that they may change as the Bank of England changes the base rate.

 

A standard variable rate is the lenders normal mortgage rate, ie does not include any discounts or deals. It tends to follow the Bank of England rate, but not exactly.

A tracker mortgage is linked to a particular base rate, which it moves up and down with (‘tracks’). Two of the most common rates that may be tracked are the Bank of England Base Rate, and LIBOR (London Interbank Offered Rate).

The higher lending charge, previously known as a mortgage indemnity guarantee (MIG), is a fee charged by a mortgage lender where the amount borrowed exceeds a given percentage of the value of the property. This fee is then used by the lender to purchase an insurance policy designed to protect it (the mortgagee) against loss in the event of you defaulting and not able to repay your mortgage.

When you take out a mortgage with an initial deal on an e.g. fixed, tracker or discounted rate basis, should you repay the mortgage in full or part before the deal ends, you usually will have to pay an Early Repayment Charge which, in most cases, is charged as a percentage of the loan.  

 

Some mortgages will offer a ‘portability’ option which means that if you move house when you are still tied into your deal, you can ‘port’ the mortgage to the new property and avoid the Early Repayment Charge.

The first and most important thing we do is contact your lender as soon as possible. Lenders are required to treat borrowers in this position “sympathetically and positively”.

Lenders generally have telephone helplines and debt counselling facilities which may be able to help you.

WHICH MORTGAGE TO CHOOSE?

Different mortgages are available for different needs and one of the most difficult aspects of organising your mortgage is sorting through the hundreds of mortgage deals currently available. We can do this for you and we do not charge a fee for doing so.  To establish what is suitable for you it is important to take into account your current situation as well as your priorities and longer term plans.

Because we don’t charge a fee, and because we work across a comprehensive panel of lenders from both the High Street and Specialist Lenders – we recommend speaking to a Mortgage Advisor early in the process.

Normally you can choose the date of your direct debit at the time of your application.  Your first mortgage payment will vary based on the date of your completion.  

As a general rule of thumb, it will be taken approximately two weeks after your completion date.  You will be sent a welcome pack from your lender detailing your first payment.

A repayment mortgage is where you pay the interest as well as the capital borrowed, so your mortgage balance is reduced every time you make a payment. In the early years you will pay mostly the interest and a little towards your capital but in the later years you pay more towards the capital.

Yes, we can advise you on the Forces Help to Buy scheme mortgages.

 

REMORTGAGING

Remortgaging is the act of switching your existing mortgage to a new deal, either with your existing lender or to a different lender. You’re not moving house and the new mortgage is still secured against the same property.

You may consider this option if your existing mortgage deal has expired and you want to look for a more competitive mortgage deal.

Remortgaging is also an option if your personal circumstances have change.

When you take out a mortgage with an initial deal on an e.g. fixed, tracker or discounted rate basis, should you repay the mortgage in full or part before the deal ends, you usually will have to pay an Early Repayment Charge which, in most cases, is charged as a percentage of the loan.  

Some mortgages will offer a ‘portability’ option which means that if you move house when you are still tied into your deal, you can ‘port’ the mortgage to the new property and avoid the Early Repayment Charge.

Conveyancing refers to the legal work completed by the solicitor or conveyancer you choose when buy or sell a property.

INSURANCE

Our qualifications enable us to look at your unique circumstances and can recommend based on the situation. Yes it is easy to look at the comparison websites and apply for their best rate or
cheapest deal – but you could end up with the wrong level of cover, or worst case even being refused a policy. Instead our qualifications and specialist advisors means we can source and identify which providers and products you are more likely to be eligible and approved for. We do not charge you a fee for our advice, but we will receive a commission from the Insurance provider should you accept their policy

It’s not a legal requirement to take out mortgage protection insurance. However, it will protect your asset for the mortgage term and give you the peace of mind that your family would be able to remain in the property in the event of your death, or should you suffer a critical or long term illness.

Your mortgage lender will insist buildings insurance is in place as you move into your new home.

You have to have a valuation if you are buying with a mortgage but do not need to have a survey. However, in most situations it is advisable. Your Mortgage Advisor can explain about the different types of survey available to you.

There are a variety of different insurance products available and each person will have different needs depending on their circumstances. Our Protection Advisor will talk you through the various options available and advise you on any recommended products and level of cover specific to your circumstances.

We recommend that you take out the appropriate insurance for you as soon as possible, in order to protect you from the unknown. Our advisors can talk this through and recommend start dates. Buildings insurance needs to be in place from the date of exchange in order that completion can go ahead.

You must be a UK resident and 18 years old at the time of applying.

LIFE INSURANCE

No, it is not a legal requirement to take out life insurance with your mortgage, but we recommend you seriously consider it. One of the main reasons why people take out life insurance is to ensure that their families can carry on paying the mortgage, in the event of death or serious illness. The consequences of not being able to pay the mortgage could end in your family being forced to sell the home and move out.

GENERAL HOME INSURANCE

Although not a legal requirement to take out buildings and contents insurance with your mortgage, the Lender will require you to take out buildings insurance from the date of exchange in order to protect its investment in your property.

Buildings insurance needs to be in place from the date of exchange in order that completion can go ahead.

However, there could be a penalty to pay for the early cancellation of buildings and contents insurance.

LANDLORD INSURANCE

Landlord insurance isn’t a legal requirement, but if the worst happens it gives you vital protection for your property investment. Many mortgage lenders make it a requirement of taking out a buy to let mortgage

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More and more investors are deciding to buy properties within a Limited Company to keep things tax efficient. ⁣
⁣
But when it comes to refinancing or purchasing a new investment property, the process of getting a mortgage can feel challenging.⁣
⁣
But not anymore!⁣
⁣
Our Specialist Mortgage Advisors know which Mortgage Lenders are used to working with Limited Company Buy to Let portfolios. They'll find you the most suitable deal and save you time and money by managing your mortgage application from start to finish. ⁣
⁣
Visit our website to learn more (🔗 in bio)⁣
⁣
...⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
Before pursuing Limited Company Buy To Let we recommend you seek advice from a tax expert.⁣
⁣
...⁣
⁣
#buytolet #mortgageadvice #mortgagebroker #propertyinvestment #limitedcompanybuytolet #propertyinvesting #buytoletmortgage

More and more investors are deciding to buy properties within a Limited Company to keep things tax efficient. ⁣

But when it comes to refinancing or purchasing a new investment property, the process of getting a mortgage can feel challenging.⁣

But not anymore!⁣

Our Specialist Mortgage Advisors know which Mortgage Lenders are used to working with Limited Company Buy to Let portfolios. They`ll find you the most suitable deal and save you time and money by managing your mortgage application from start to finish. ⁣

Visit our website to learn more (🔗 in bio)⁣

...⁣

Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

Before pursuing Limited Company Buy To Let we recommend you seek advice from a tax expert.⁣

...⁣

#buytolet #mortgageadvice #mortgagebroker #propertyinvestment #limitedcompanybuytolet #propertyinvesting #buytoletmortgage
...

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All lenders have different forms of acceptable income. ⁣
⁣
Your salary is an obvious form of income. But there are some lenders who will accept alternative forms of income and not just your salary, things like;⁣
⁣
👉 Zero hours contacts⁣
👉 Foster parent income⁣
👉 Rental income⁣
👉 DWP income & allowances⁣
👉 Irregular commission⁣
👉 Bonuses & shift allowances⁣
⁣
By discussing your whole situation and income with one of our Mortgage Advisors, we can explain which lenders are most likely to accept your income. ⁣
⁣
Give us a call on 0800 612 5596 or tap the link in our bio to learn more.⁣
⁣
...⁣
⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
#buyingahouse #homebuyersguide #moneyeducation #housebuying #mortgagetips #mortgageadvice

All lenders have different forms of acceptable income. ⁣

Your salary is an obvious form of income. But there are some lenders who will accept alternative forms of income and not just your salary, things like;⁣

👉 Zero hours contacts⁣
👉 Foster parent income⁣
👉 Rental income⁣
👉 DWP income & allowances⁣
👉 Irregular commission⁣
👉 Bonuses & shift allowances⁣

By discussing your whole situation and income with one of our Mortgage Advisors, we can explain which lenders are most likely to accept your income. ⁣

Give us a call on 0800 612 5596 or tap the link in our bio to learn more.⁣

...⁣


Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#buyingahouse #homebuyersguide #moneyeducation #housebuying #mortgagetips #mortgageadvice
...

0 0
Tired of trawling through mortgage deals?⁣
⁣
Let us guide you through your options and help you find the right mortgage for your needs.⁣
⁣
We have access to a comprehensive panel of lenders to ensure we research the most suitable mortgage solution for your situation.⁣
⁣
And we'll be by your side every step of the way, from understanding your financial situation to guiding you through the mortgage application process.⁣
⁣
The best bit? We don't charge a broker fee! ⁣
⁣
Get in touch for a chat on 0800 612 5596 or tap the link in our bio to learn more!⁣
⁣
...⁣
⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
⁣
...⁣
⁣
#mortgageadvisor #nobrokerfee #dorset #dorsetbusiness #ukmortgages #mortgagespecialists

Tired of trawling through mortgage deals?⁣

Let us guide you through your options and help you find the right mortgage for your needs.⁣

We have access to a comprehensive panel of lenders to ensure we research the most suitable mortgage solution for your situation.⁣

And we`ll be by your side every step of the way, from understanding your financial situation to guiding you through the mortgage application process.⁣

The best bit? We don`t charge a broker fee! ⁣

Get in touch for a chat on 0800 612 5596 or tap the link in our bio to learn more!⁣

...⁣


Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣


...⁣

#mortgageadvisor #nobrokerfee #dorset #dorsetbusiness #ukmortgages #mortgagespecialists
...

0 0
To move or not to move? That is the question!⁣
⁣
Making the decision to move home is a personal one and depends on your unique circumstances. But here are some things to consider when weighing the pros and cons:⁣
⁣
✅ A fresh start - If you’re feeling stuck in a rut or just need a change of scenery, moving home can be the perfect way to start over.⁣
⁣
✅ Closer to loved-ones - If you’re moving to be closer to family or friends, it can make the transition much easier.⁣
⁣
✅ More space - If you’re cramped for space in your current home, moving to a bigger property can be a great solution.⁣
⁣
❌ Cost of moving - Moving home can be an expensive process, especially if you’re hiring professional help to do the heavy lifting. ⁣
⁣
❌ Packing and unpacking - If you’re not prepared for the amount of work involved, it can be very overwhelming.⁣
⁣
❌ Adjusting to a new home - Adjusting to a new home can be difficult, especially if you’re used to your current surroundings. ⁣
⁣
...⁣
⁣
#movinghouse #buyingahouse #letsbuyahouse #housemove #newhome #housebuyingtips #movinghomes

To move or not to move? That is the question!⁣

Making the decision to move home is a personal one and depends on your unique circumstances. But here are some things to consider when weighing the pros and cons:⁣

✅ A fresh start - If you’re feeling stuck in a rut or just need a change of scenery, moving home can be the perfect way to start over.⁣

✅ Closer to loved-ones - If you’re moving to be closer to family or friends, it can make the transition much easier.⁣

✅ More space - If you’re cramped for space in your current home, moving to a bigger property can be a great solution.⁣

❌ Cost of moving - Moving home can be an expensive process, especially if you’re hiring professional help to do the heavy lifting. ⁣

❌ Packing and unpacking - If you’re not prepared for the amount of work involved, it can be very overwhelming.⁣

❌ Adjusting to a new home - Adjusting to a new home can be difficult, especially if you’re used to your current surroundings. ⁣

...⁣

#movinghouse #buyingahouse #letsbuyahouse #housemove #newhome #housebuyingtips #movinghomes
...

1 0
If you’re self-employed and looking to get a mortgage, there's a few things you should take into account. ⁣
⁣
👉 Lenders will typically require proof of income and tax returns for the past three years in order to assess your affordability. ⁣
⁣
👉 They will also ask for additional information, such as bank statements and invoices.⁣
⁣
👉 As a self-employed borrower, you may be considered a higher risk by lenders, so it’s worth shopping around to find a deal that’s right for you. ⁣
⁣
We're here to help you navigate the self-employed mortgage process. Give us a call on 0800 612 5596 to arrange a chat. ⁣
⁣
We are available outside usual working hours, and we don't charge a broker fee 🌟⁣
⁣
...⁣
⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
⁣
...⁣
⁣
#selfemployedmortgages #selfemployed #bournemouthbusiness #smallbusiness #mortgagetips #mortgagesuk

If you’re self-employed and looking to get a mortgage, there`s a few things you should take into account. ⁣

👉 Lenders will typically require proof of income and tax returns for the past three years in order to assess your affordability. ⁣

👉 They will also ask for additional information, such as bank statements and invoices.⁣

👉 As a self-employed borrower, you may be considered a higher risk by lenders, so it’s worth shopping around to find a deal that’s right for you. ⁣

We`re here to help you navigate the self-employed mortgage process. Give us a call on 0800 612 5596 to arrange a chat. ⁣

We are available outside usual working hours, and we don`t charge a broker fee 🌟⁣

...⁣


Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣


...⁣

#selfemployedmortgages #selfemployed #bournemouthbusiness #smallbusiness #mortgagetips #mortgagesuk
...

0 0
"I'd heard about Yes Mortgages via word of mouth and hadn't heard a bad word word, now I know I why."⁣
⁣
Maybe you’re looking to buy your first home. Or refinance the one you’re already in 🏡. No matter your situation, our personal goal is to see that it ends with you getting the loan you need when you need it. At the rate you deserve. And with a level of care beyond anything you expect 🌟⁣
⁣
Tap the link in our bio to learn more.⁣
⁣
...⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
#bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #mortgagespecialists #nobrokerfee

"I`d heard about Yes Mortgages via word of mouth and hadn`t heard a bad word word, now I know I why."⁣

Maybe you’re looking to buy your first home. Or refinance the one you’re already in 🏡. No matter your situation, our personal goal is to see that it ends with you getting the loan you need when you need it. At the rate you deserve. And with a level of care beyond anything you expect 🌟⁣

Tap the link in our bio to learn more.⁣

...⁣

Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #mortgagespecialists #nobrokerfee
...

2 0
What's the best mortgage? How much can I borrow? What deposit will I need? 🤯 It can all get a bit much. ⁣
⁣
But our mortgage advisors are here to guide you every step of the way, cut through the jargon and answer any questions you may have (even the ones you think might be silly). ⁣
⁣
We don't charge a broker fee, so get in touch for a chat - call us on 0800 612 5596 or send a DM⁣
⁣
...⁣
⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
#firsthometogether #firsttimehomebuyertips #firstimebuyer #firsttimebuyersuk #househunters #letsbuyahouse

What`s the best mortgage? How much can I borrow? What deposit will I need? 🤯 It can all get a bit much. ⁣

But our mortgage advisors are here to guide you every step of the way, cut through the jargon and answer any questions you may have (even the ones you think might be silly). ⁣

We don`t charge a broker fee, so get in touch for a chat - call us on 0800 612 5596 or send a DM⁣

...⁣


Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#firsthometogether #firsttimehomebuyertips #firstimebuyer #firsttimebuyersuk #househunters #letsbuyahouse
...

1 0
Big changes in your life, planned or unexpected, could mean that your current mortgage no longer suits your needs.⁣
⁣
But with so many lenders out there, it can be overwhelming to navigate the varying interest rates, terms, and fees 🤯⁣
⁣
Well, we're here to do the legwork for you...⁣
⁣
We'll compare different offers and find the most suitable mortgage deals for your situation and be there to guide you through every step until completion.⁣
⁣
The best bit? We don't charge a broker fee!⁣
⁣
Call us for a chat on 0800 612 5596, or visit our website for more info (link in bio)⁣
⁣
...⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
#homeownerlife #homeownertips #mortgageuk #mortgageadvice #mortgageexperts #westcountry

Big changes in your life, planned or unexpected, could mean that your current mortgage no longer suits your needs.⁣

But with so many lenders out there, it can be overwhelming to navigate the varying interest rates, terms, and fees 🤯⁣

Well, we`re here to do the legwork for you...⁣

We`ll compare different offers and find the most suitable mortgage deals for your situation and be there to guide you through every step until completion.⁣

The best bit? We don`t charge a broker fee!⁣

Call us for a chat on 0800 612 5596, or visit our website for more info (link in bio)⁣

...⁣

Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#homeownerlife #homeownertips #mortgageuk #mortgageadvice #mortgageexperts #westcountry
...

1 0
What is an agreement in principle, and do you need one? 🤔⁣
⁣
An agreement in principle is a statement offered by lenders to give you an estimate of how much they're likely to lend you.⁣
⁣
Having one will help you narrow down your house hunt to those properties in your price range and will help you prove to sellers and agents that you’re a serious buyer. ⁣
⁣
Learn more about the world of mortgages on our blog (🔗 in bio)⁣
⁣
...⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
#agreementinprinciple #firsttimehomebuyertips #firstimebuyer #homebuyingprocess #buyingyourfirsthome #househuntingadventures

What is an agreement in principle, and do you need one? 🤔⁣

An agreement in principle is a statement offered by lenders to give you an estimate of how much they`re likely to lend you.⁣

Having one will help you narrow down your house hunt to those properties in your price range and will help you prove to sellers and agents that you’re a serious buyer. ⁣

Learn more about the world of mortgages on our blog (🔗 in bio)⁣

...⁣

Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#agreementinprinciple #firsttimehomebuyertips #firstimebuyer #homebuyingprocess #buyingyourfirsthome #househuntingadventures
...

1 0
If you're about to buy your first home, you've probably heard a lot about home insurance. But what is it, and do you need it?⁣
⁣
There are two parts to home insurance: ⁣
⁣
🏠 Buildings insurance covers the structure or fabric of your house; the walls, roof, windows, floors, and often fixtures and fittings too. ⁣
⁣
🛋 Contents insurance is for things like furniture, TVs and personal belongings. ⁣
⁣
A simple way of putting it; if you turned your house upside down, contents insurance would cover you against the belongings that fall out of it. Buildings insurance should cover the rest.⁣
⁣
Mortgage lenders insist you take out buildings insurance when you exchange contracts. ⁣
⁣
And while you don't need Contents Insurance to buy a house, it might offer peace of mind to have it (particularly given that the average household owns around £35,000 of stuff!). ⁣
⁣
If you need help finding the right policy, our insurance advisor Kelly is available. Send us a message or call 0800 612 5596.

If you`re about to buy your first home, you`ve probably heard a lot about home insurance. But what is it, and do you need it?⁣

There are two parts to home insurance: ⁣

🏠 Buildings insurance covers the structure or fabric of your house; the walls, roof, windows, floors, and often fixtures and fittings too. ⁣

🛋 Contents insurance is for things like furniture, TVs and personal belongings. ⁣

A simple way of putting it; if you turned your house upside down, contents insurance would cover you against the belongings that fall out of it. Buildings insurance should cover the rest.⁣

Mortgage lenders insist you take out buildings insurance when you exchange contracts. ⁣

And while you don`t need Contents Insurance to buy a house, it might offer peace of mind to have it (particularly given that the average household owns around £35,000 of stuff!). ⁣

If you need help finding the right policy, our insurance advisor Kelly is available. Send us a message or call 0800 612 5596.
...

0 0
We believe in providing quality financial advice to everyone, regardless of their financial status. ⁣
⁣
That's why we don't charge a broker fee 🤩⁣
⁣
You won't pay us a penny for our services! ⁣
⁣
We'll look after you for the lifetime of your mortgage/home ownership, ensuring you never pay more than you should on your loan. Whether you're remortgaging, moving home, or making any subsequent property purchase, we've got you covered.⁣
⁣
Visit our website (🔗 in bio) to learn more.⁣
⁣
...⁣
⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
#mortgageadvisor #nobrokerfee #dorset #dorsetbusiness #ukmortgages #mortgagespecialists

We believe in providing quality financial advice to everyone, regardless of their financial status. ⁣

That`s why we don`t charge a broker fee 🤩⁣

You won`t pay us a penny for our services! ⁣

We`ll look after you for the lifetime of your mortgage/home ownership, ensuring you never pay more than you should on your loan. Whether you`re remortgaging, moving home, or making any subsequent property purchase, we`ve got you covered.⁣

Visit our website (🔗 in bio) to learn more.⁣

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Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

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#mortgageadvisor #nobrokerfee #dorset #dorsetbusiness #ukmortgages #mortgagespecialists
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Let us find the right property finance to fund your investment portfolio...⁣
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We know a buy-to-let investment can be a big commitment, so our dedicated mortgage advisers will help you consider the costs, responsibilities, and risks whether you’re starting or expanding your investment property portfolio.⁣
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Have a chat with one of our buy-to-let mortgage experts on 0800 612 5596 - we don't charge a broker fee!⁣
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...⁣
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Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
#propertyinvestmentuk #buytolet #ukproperty #ukpropertyinvestor #landlordsecrets #investmentproperty

Let us find the right property finance to fund your investment portfolio...⁣

We know a buy-to-let investment can be a big commitment, so our dedicated mortgage advisers will help you consider the costs, responsibilities, and risks whether you’re starting or expanding your investment property portfolio.⁣

Have a chat with one of our buy-to-let mortgage experts on 0800 612 5596 - we don`t charge a broker fee!⁣

...⁣

Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#propertyinvestmentuk #buytolet #ukproperty #ukpropertyinvestor #landlordsecrets #investmentproperty
...

1 0