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 01392 690 888
Email info@swmortgages.com
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Bristol, Bath and Exeter Mortgages Online always recommend a Fully Protected Mortgage
As an experienced Mortgage Broker, we are not only mortgage specialists, but we can also access a huge selection of providers for your insurance protection needs too.
The buy-to-let market in 2025 is evolving, and with changing tax rules, shifting demand, and rising costs, landlords need more than just a good property. You need a clear financial strategy and the right mortgage to match.
With many households feeling the pressure of rising mortgage bills, finding ways to reduce monthly payments has never been more important. Whether you’re coming to the end of a fixed-rate deal or just looking for financial breathing room, there are smart, practical steps you can take to lower your costs.
We specialise in providing mortgage solutions for expat clients. Phil has over 30 years of experience in working with Expat clients, and now that Bristol Mortgages Online is a trading style of Manor Mortgages, we have an even greater choice of products to offer.
The Bank of England cuts interest rates from 4.25% to 4%, with effect from today, 7 August 2025.
It's the Bank's fifth cut since last August, and takes the cost of borrowing to its lowest level for more than two years
The decision was widely expected.
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.
Many of our new clients choose us as they have been recommended or referred to us. Our excellent 5-star reviews on Google reassure potential clients that we are professional people to deal with!
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.