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In times of uncertainty you need to
know who to turn to for down to earth,
no nonsense advice about your mortgage.
We’ll explain your options in language
you’ll understand and deal with all the
small print, making sure that you get the
mortgage which is best for you.
We can even fill the forms in for you!
Why not give Helen Cooke a call and let
her help you to Get a move on.
Call for a quote 01534 515151
Get a move on
Get a move on mortgages is a trading name of Hepburns Life and Pensions.
Hepburns Life and Pensions is regulated by the Jersey Financial Services Commission.
MORTGAGES
Then keep track of this over a few months to see if are on an existing Tracker you will enjoy the full
you can afford what you say you can. This will benefit of any rate reduction but you may now want to
potentially prove that you can afford the mortgage start considering fixing the rate in the near future to
you have asked for. lock into a cheaper deal for the long term.
• Be realistic. So whether you already have a mortgage or not it is
Quite simply do not take on a mortgage unless you well worth spending some time picking the brain of a
really are sure that you can afford the payments. mortgage broker. They will be able to explain what
products are available in the market and any options
• Get pre-approved. which might be suitable for you.
It may seem odd to apply for a mortgage before you
have found a property but this can be helpful when Don’t forget that it may be necessary to move your
you come to make an offer for a property and may loan to a new lender in order to secure the lowest
even give you an edge over other prospective possible price for your mortgage and that it could
buyers. even be worth paying a penalty to break an existing
deal. This is therefore an excellent opportunity to
If you have a mortgage already you may feel protected review other financial commitments perhaps
from the changes in the mortgage market. However it consolidating these in order to keep tighter control
is well worth taking the opportunity to review your over your monthly expenditure.
current arrangements, particularly with the Base Rate
having dramatically reduced to 3.00% in November, There are signs that the market for mortgages and
as this could mean that you are paying more than you loans is starting to settle down but it may be some
need to be. considerable time before we can consider normality to
have been restored. It is therefore more important
Many people are surprised when I tell them that fixed than ever that you take qualified independent advice
rates have not yet started to reduce but the banks are before taking out a new mortgage or changing an
playing a game of wait and see and only once they existing one. With the right advice you should be well
are happy that lower rates are here to stay will they placed to take advantage of lower rates when they
be willing to re-price their fixed rate products. If you eventually become available.
20/20 fifty one
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