mortgage advisor essexTel: 07887 668190

Your home may be repossessed if you do not keep up repayments on your mortgage

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Taking out a mortgage is likely to be one of the biggest financial commitments of your life, so it is therefore important to find the best mortgage deal possible to suit your own individual circumstances. When you come to comparing mortgages however, it is worth remembering that the lowest headline rate may not always necessarily represent the best value.

When considering a mortgage it is not only the deals annual percentage rate (APR) but also its term and, crucially, any associated fees. Most mortgage deals these days include arrangement or booking fees and many lenders also apply substantial early repayment charges (ERC) if you repay or move the mortgage before the end of the mortgage product term. The key to mortgage comparison is making sure you take all these factors into account before making a decision we will make sure you have all this information and can make the calculation s for you.

At Advance Mortgages & Protection Advisers we have access to mortgage deals from across the UK lending market – not only from mainstream lenders, but also from smaller and more specialised lenders who in many cases may offer mortgage deals equal to or better than you might find on the high street. We are also unlimited in our access to the market, which means we won’t try and sell you a particular mortgage just because we are tied to the lender – you can be confident that you will receive truly impartial advice on the mortgage that is right for you.
Whether you are getting a mortgage as a first time buyer, a home mover or are just looking for a better deal on your existing mortgage, we have the experience to help you whatever your circumstances. If you are looking to invest in a property to let, we can help you with buy to let mortgages, and we can also advise on bad credit mortgages if you have had problems with credit in the past.

We can also help you to find conveyance solicitors, valuations and home removals.

Personal Protection insurance

My approach to personal insurance puts you at the centre. I will take the time to get to know your needs and provide a solution to meet them.
Today’s personal insurance market often forsakes high quality, personal service. By contrast, I specialise in providing tailored insurance solutions with a high level of personal service, including a visit in the comfort of your own home. I work with First Class Financial Advisers Limited, an appointed representative of Intrinsic Mortgage Planning Limited and of Intrinsic Financial Planning Limited who are authorised and regulated by the Financial Conduct Authority. Intrinsic are one of Britain’s leading networks of financial advisers.
I pride myself on ensuring that the cover I provide you is the most appropriate to meet your individual needs.

Covers I can provide include:

Buildings Insurance – Contents Insurance – Critical Illness – Family Income Benefit – Life Cover – Mortgage Protection – Redundancy Cover – Life Assurance – Income Protection

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at

Advance Mortgages &
Protection Advisers 
Heron way
07887 668190

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Borrowers who opted for a two-year fixed rate at an average rate of 2.30% in May 2017 could see their interest rate more than double when moved onto the average SVR of 4.89%.
The average two-year fixed rate reached a record low of 2.20% in October 2017. The following month, the Bank of England increased the base rate (from 0.25% to 0.5%) and the average two-year fixed rate increased to 2.35% by December 2017.
The average two-year fixed rate currently stands at 2.47% – down from 2.49% last month – and, if the average SVR remains constant at 4.89%, the projected average difference in the revert rate will increase from 2.59% to 2.69% by October. This would give borrowers even more motivation to remortgage or switch their existing deal.
In January, Virgin Money highlighted that as many 750,000 borrowers would reach the end of their fixed terms in the first half of the year.
Moneyfacts spokesperson Darren Cook said: “Over the next six months, it is likely that many mortgage borrowers who secured a two-year mortgage deal two years ago may see their record low interest rate expiring and will have no intention to revert to a rate that could see their interest rate double overnight.
“For instance, a borrower on a repayment mortgage of £250,000 who locked into the average two-year fixed rate of 2.20 per cent in October 2017, if then transferred onto the predicted average lender’s SVR of 4.89 per cent in October 2019, will see their mortgage repayments increase by £4,336.20 per year with a rate increase of 2.69 per cent.
This significant increase in motivation for borrowers to switch mortgage deals, and the subsequent potential increase in remortgage business as a result, may push some mortgage lenders to marginally cut rates over the next few months to maintain a competitive edge.
The average two-year fixed rate has already fallen this month. However, this fall could be attributed to rate cuts at higher risk loan-to-value (LTV) tiers to attract first-time buyer business. It will therefore be interesting to see if the average rate falls further still as providers potentially target remortgage customers – and therefore lower LTV tiers – as we approach October.”
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Off to London to support my wife in the London landmarks half Marathon.

Go Jessica Go!!
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We are a Network of 20 Local businesses in Essex - Solicitor, IFA, Accountant, Electrician, Nutritionist etc - we operate with BNI and meet every Tuesday to exchange business referrals.

In the last year we have passed each other over 600 referrals worth over 1.2m pounds - money that may have gone elsewhere.

We have an open day on Tuesday 29th January to find out about what we do and are looking specifically for :

Plumbers Printer
Funeral Director Estate Agent.
Charity. Florist
Contractors Photographer
Decorators Personal Trainer.
IT Support Architect

If you are in a category above or know someone in one of the categories and are interested in finding out more please message me.

The cost is just £20 for breakfast and you will have a chance to pitch your business to everyone present and pass around business cards.

There is no obligation from either the Networking group of yourself to proceed if either side do not see a mutual benefit

What's to lose?
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