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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With the Budget uncertainty now lifted, buyers and sellers can return to making decisions about their next move. Removing the threat of a new annual property tax from 210,000 homes for sale will help revive market activity in higher-value areas. However, the lack of any stamp duty reform means homebuyers will continue
Please click here to see our November newsletter This month’s edition is packed full of interesting articles, including What does the Budget mean for you? Interest-Only Mortgages For Later Life. Need Short-Term Property Finance? What is the Renters’ Rights Act, and what does it mean for tenants? What You Should Know About Second Charge Mortgages Time to Remortgage? Stunning 5-star Google Reviews! Let Us Help You If You Have Adverse Credit How to Contact Us You can also read more articles on our Blog. We hope you enjoy this Newsletter. If you have any queries, please call Phil Clark on 0117 325 1511 or email info@swmortgages.com
Rachel Reeves has set out details of her second Budget since becoming Chancellor.
Some measures from the yearly tax and spending plan had already been announced in the days leading up to the statement.
We are thrilled to be able to offer this fantastic product through the Family Building Society.
This interest-only mortgage gives those of retirement age and beyond the opportunity to free up equity from their home, without the huge costs often faced when considering Equity Release or a Lifetime Mortgage.
Thinking about buying a new property before selling your current one? Or maybe you need quick funds to complete a renovation or secure an investment opportunity? You’re not alone. With today’s fast-moving property market, many homeowners and investors are turning to bridging loans to bridge the gap.
The changes laid out in the Renters’ Rights Bill were the biggest shakeup of rental legislation in decades. In October 2025, the Bill gained Royal Assent, which means the bill becomes the ‘Renters’ Rights Act’, and will now become law.
Pre-Budget speculation over possible tax changes is impacting market activity for homes over £500,000. The rest of the mainstream housing market is carrying on, largely unaffected.
Thinking about borrowing more money, but worried about losing your current mortgage deal? You’re not alone. With interest rates shifting in 2025, many homeowners are
Rental market conditions are starting to normalise as supply and demand rebalance. The affordability