Reasons to save money.

I am so fortunate I live in a weather proof box, rather too large to heat in the winter and probably not as well insulated as it could be.

This brings me onto education and school, you see what we teach our children will effect our future, maybe there will be plastic free aisles in the supermarkets, and should we look at the way we package our Easter eggs? May be we should teach our children to use the bins or take their rubbish home and not litter the seas or our environment. Blue planet 2 style have made some good points, but I fear there is no escape from plastic it’s just too convenient. Could you really imagine walking into any shop, ahem Supermarket and not buying something wrapped or packaged in plastic? I doubt it would happen in my lifetime, even if the government try and tax single use plastic. The mind shift for consumers is too great, and too expensive to package our food in other ways.

As you can tell I have still not found what I am looking for, and if you want to buy some plastic , most Cars are about 50% plastic these days. Or if you want to get rid of some credit card plastic then get in contact or phone for some advice 07975 581081

2018 has arrived and what has changed?

Where did the time go, the stats look good unemployment is low, interest rates are still at Historic lows. Inflation though is above the target 3% according to the Daily Mail.

Life goes on, more people are at work, most don’t have enough protection to insure against, illness, unemployment etc. And yet the PPI mis-selling scandal goes on until the deadline of August this year. I wonder what all the people who are in employed in PPi mis-selling business will do? Average Wages aren’t rising and yet the cost of living is going up, who bridges the gap, there is no more money?

I am still freelance for about my 10th year which is nothing like working for a bank or an  insurance company I can assure you. Oh well I hope 2018 is good for you, and for me too !



Refurb finance for House in Multiple occupation

Funding for multi let houses is now easier to obtain than previously thought, so for purchase or money for refurbishment is available with only a £99 application fee and quick lender decisions.

Not only can you refurb HMO’s but you can do commercial property and residential property too.


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Mortgage Affordability without the stress

Interestingly we have a lender who offers great flexibility in terms of stretching lending, there is a bit of a however, you must take a long term fixed rate with them, for example somebody with clean credit will get a fixed rate of 5.29% fixed until April 2021. People with slightly chequered credit in other words CCJ’s or missed payment, in the previous 2 years may be offered a rate of something like 5.89% fixed until 2021. These rates are high without doubt, and the lenders argument being if you can afford the repayments now you will be able to afford them in 2021. Well my argument might be why pay more than you need to now, and people’s circumstances change anyway. So thanks Mr Lender but I think I might be able to get a better deal somewhere else ~ we wait and see.

Contractor mortgages

Basically if you are self-employed the request for proof of previous years earnings has been reduced, to sometimes as little as just the last year, company directors and people working on contracts should now find it easier to apply and be accepted for house purchase finance.

Find a property and then get in touch to see if we can help