Hazel Finlay Mortgage & Protection Advisor worcester worcestershire

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Hazel Finlay Mortgage & Protection Advisor worcester worcestershire

Mortgage and Protection Consultant

There may be a fee for arranging a mortgage and the precise amou By combining my expertise and specialist knowledge.

Your fully impartial and friendly Mortgage and Protection Consultant providing clients with over 16 years experience within the finance industry. Having worked in both banks and estate agents, I have a true understanding of both the remortgage and home buying process. From working with first time buyers and guiding them through the daunting task of finding their first home; or whether it be a home

mover looking to gain security while climbing the property ladder; or an investor looking to extend your portfolio, I can help. I tailor the advice I offer using my access to the whole of the mortgage market. Finding exclusive deals to ensure you have the solution that not only meets your individual needs, but also offers you the most cost effective solution within your budget.

09/05/2023

Wow 🤩 breaking news 🗞️

After months of talk in the background, emails back and forth ! The moment we have all been waiting for, a true 100% mortgage !

Are you renting and would love to buy a house but don’t have a big enough deposit?

If you’re able to pay your rent, doesn’t it make sense that you should be able to afford mortgage payments of the same amount as well?

100% mortgage is available for you. You must have paid 12 months’ rent in a row over the last 18 months.

Contact me to find out more or discuss any of your other mortgage requirements.

☎️ 07725304625
[email protected]

There may be a fee for arranging your mortgage, this fee will typically be £495.

10/02/2023

💥💥💥 Rate reductions , rate reductions , rate reductions 💥💥💥

Do not let the Bank of England increases and media make you think you need to hold off and wait !!

Everyone saw the panic and explosion of rates as they increased after the mini budget !!!

However all we have seen as brokers since that is weekly emails from lenders reducing their rates !

This is still coming through even today the top six and others trying to compete with the top six are reducing rates !

I remember discussing with clients amid the panic how coming out of their fixed rates and paying penalty’s may not be not be the right move and holding tight not jumping ship is sometimes the right thing to do ! The rate reductions we are seeing now shows the panic we were led into was media driven ! For a true reflection of the market and best advice it’s always worth getting advice !! ✅

☎️ 07725304625
[email protected]

There may be a fee for arranging your mortgage, this fee will typically be £495.

07/02/2023

Last week the Bank of England increased the base rate, people were expeting it to affect fixed mortgage rates 🤔

Well the lenders have had other ideas and banks are still reducing some of their mortgage rates when it comes to their fixed rate products 🙌

This means that a lot more people are more open to moving home now & they could be putting your dream home on the market any day- so you need to be in the best position to move! 🏡

If you do have questions about how your mortgage might be affected, or you want to discuss your options when it comes to your mortgage and moving home, we can put you in touch with the girls over at Redditch Mortgage Advice- there's noone better! 🤩

07/12/2022

Definitely feeling the Christmas 🎄 love 💞

01/12/2022

💞🎄💞

29/09/2022

Wow what a crazy week so far ! 🎢

⭐️ Despite media headlines I want to reassure all my clients old, new and yet to get in touch, lenders are still lending; and yes there are still fixed rates available. ⭐️ For lenders that did temporarily withdraw we are already receiving notifications from lenders that they will be returning to the market some next week and some as early as tomorrow.

Speaking to a broker will reassure you as to what the right decision is for you, as each client will find themselves in different circumstances, so this is the time to use our experience to your advantage. 💻 The calculations on the potential impact of ending a current fixed rate may not be the best options taking into consideration penalties that may be charged by your existing lender, plus set up fees on any new product taken.

Yes rates might be higher than they were 6 months ago but in the last 18 years working within the mortgage field I can assure you I have seen them go in both directions .. 📈📉

Please don’t let media panic keep you awake at night .

☎️ 07725304625
[email protected]

There may be a fee for arranging your mortgage, this fee will typically be £495.

15/05/2022

What do we think 🤔 I know there are a few clients who come to me with this dilemma ?

14/06/2021

🏡 🗞 Placing a mortgage application with the right lender to suit the clients needs and packaging it correctly is an important part of a mortgage brokers job. This is why we charge a fee, we offer a full advice and recommendation service individual to a clients needs, no one size fits all 🏡

In the current climate it is vital, lenders are carrying out extra due diligence to ensure that a clients income has not been been affected by Covid, given the fact businesses have ceased trading / been made furlough more so the self employed incomes, therefore it is essential that the broker knows what the lender requires and gets all the clients documents in advance and ready to send with the application. This ensures it can be looked at by the lender enabling them to make a decision quickly and effectively.

On Thursday I submitted a fully packaged application to a lender on behalf of a self employed sole trader, with 13 months trading so only one years full accounts. Today the clients Mortgage Offer was issued !

That’s not even 2 full working days from
Application to offer !!

🏡 Using a mortgage broker with experience and knowledge is essential to ensure your mortgage is approved, securing you that onward move 🏡

There may be a fee for arranging your mortgage this is typically £495 🏡

The loan will be secured against your home and you may be at risk of repossession should you fail to keep up the payments on your mortgage.

Address

Worcester
WR37DE

Website

http://www.hfmortgagesolutions.co.uk/

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