Issue 7 of “Mortgage & Protection” News
Caz Blake-Symes • January 21, 2020
Welcome to Issue 7 of our newsletter!
Whatever you may think about the election result, it will deliver greater clarity on the future political path and this certainty may be welcomed by the financial markets. In turn, some may now feel more motivated to undertake property and mortgage plans that have been on the back-burner.
In this issue, we remind you that there continues to be decent mortgage deals on offer, but it makes sense to take advice to help navigate through the myriad of product options. And, if you’re sitting on, or are stuck on your lender’s Standard Variable Rate, you could be paying around twice as much as an average 2-year deal rate, so let’s have a conversation to identify a path forward. You may have to pay an early repayment charge to your existing lender if you remortgage, but we can give you clear illustrations to help you choose the most beneficial option.
Elsewhere, we cover the importance of protecting both your life and income streams and show that consumer perceptions of the health issues you may face across your working life aren’t in line with the reality, so you need to plan accordingly. As with all insurance policies, terms, conditions and exclusions will apply.
Finally, the growing Self-Employed workforce of almost 5 million has been fairly poorly served in the past on the mortgage front, along with concerns over access to suitable protection insurance, but the tide may be turning on both fronts.
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Bristol Mortgages Online www.bristolmortgagesonline.com
Tel 0117 325 1511
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Tel 01225 584 888
Exeter Mortgages Online www.exetermortgagesonline.com
Tel 01392 690 888
Email info@swmortgages.com
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We hope you enjoy this Newsletter.
If you have any queries, please call Phil Clark on 0117 325 1511 or email info@swmortgages.com
Having highly satisfied clients and an excellent reputation is key to our philosophy here at Bristol Mortgages Online.
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Take
Securing a mortgage can be more complex for the UK’s 4.2 million self-employed workers. Without traditional payslips, proving income requires a different approach—but there are still plenty of options.
Here at Bristol, Bath and Exeter Mortgages Online, we are delighted to take on a CHALLENGE!
Being a trading style of Manor Mortgages, who have access to Lenders and Products that are beyond the reach of the majority of Mortgage Brokers.
Here at Bristol, Bath and Exeter Mortgages Online, we aim to give you a stress-free mortgage application process.
From when we send you our initial links and forms through to completion, we will support you along the way.
Here is a guide which we hope will enable you to understand and prepare for the documentation and
More sales, rising supply, plenty of demand and modest house price growth shape a steady UK housing market in June 2025.
The average house price in the UK is £268,400 as of May 2025 (published June 2025). This is a rise of 1.4% or £3,690 over the past year.
We are thrilled to be celebrating our 17th Anniversary this week.
Phillip Clark founded Bristol Mortgages Online in 2008.
Lower mortgage rates are supporting more house sales against a backdrop of modest house price inflation. Zoopla’s House Price Index tracks key trends in the UK housing market - here’s the latest news in May 2025.
This Edition Includes..
Helping Your Family Onto The Property Ladder
What will happen to Interest Rates This Year?
Easing Stress Testing?
Looking to Remortgage?
Getting a Mortgage with Adverse Credit
Plus lots more…
Mortgage rates are likely to stay in the 4-5% range this year while changes to affordability testing by lenders could give buyers a boost.