Steve Robinson - Mortgage Expert

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Steve Robinson - Mortgage Expert

Local, no stress mortgage advice in North Wales and surrounding areas. With over 50 lenders I'm get Sound good? Talk to me today.

Living locally in North Wales, I understand the market, property options and the right lender to meet your financial objectives. I can save you time, by looking at all the lender options and don't be mistaken that the lowest rate is always the cheapest option! By taking advantage of using me to source your mortgage, you can be assured you are in experienced hands to manage your property finance. Y

es, you can go to your bank or building society direct, but if you don't meet their criteria, you will have to search again. I have access to all the main banks and building society options and also 'broker' only packages that you cannot access directly. So why not save yourself lots of time and stress, I'll handle the paperwork and manage your case personally to ensure the right outcome. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

27/10/2022

Let's recap on what's been going on:

💰 Liz Truss becomes PM and announces a mini budget which sends the mortgage market into a frenzy. BoE, looking to control inflation, increased interest rates.

🔥 Chancellor Kwasi Kwarteng is fired post the mini budget, with Jeremy Hunt taking his place which led to a u-turn in the budget. Leaving just the stamp duty cut, a cut to National Insurance from April, and a £1m annual investment allowance as the only remaining cuts that weren't axed.

📢 Truss resigns and Rishi Sunak takes over as PM. Since his appointment mortgage rates have slightly lowered. Some lenders have dropped their rates by half a percentage point.

You're all caught up! It's been a whirlwind but the mortgage market is showing signs of calming however the Bank of England are due to meet next Thursday.

You need expert advice to navigate the mortgage market - trust in an expert adviser like me to help you make the right mortgage decisions.

*YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.*

04/10/2022

You've seen the headlines...but should you be concerned about the rise in interest rates?

The media has had a strong reaction to the news that the Bank Of England has risen the base rate, however it's good to keep things in perspective.

The base rate is currently 2.25%, which if it were to double would reach 4.5% - around the level it was in 2007 and is still historically low. We're a more globalised world than 2007 and our interest rates will tpically mirror the US & Europe. The US base rate is 3.25%, hence a really strong $, and the Euro rate 1.25%.

An individual case in the media suggested their mortgage offer was withdrawn and their rate doubled to around 10%. However, as we know, rates are nowhere near that high, and only those with severely damaged credit reports could potentially receive offers at higher rates.

Remember, the media's business is 'engaging' people - that means doomy headlines and click bait. My business is 'helping' people. Therefore take advice from qualified experts.

Yes of course, the rate rise will effect those with a variable rate mortgage, and those newly seeking a mortgage but advisers like me will always be able to explore ALL options with you to ensure you don't suffer the short end of the stick.

*YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.*

23/09/2022

Good news! Stamp Duty has been cut! ✂

The Chancellor's Growth Plan today puts more money back into the pockets of businesses and families. This is especially good news for first time buyers.

First time buyers currently pay no stamp duty on the first £300,000 - that will now be raised to £425,000. 🎉

The cut raises the threshold of how much a property has to cost before stamp duty is paid to £250,000.

"And we’re going to increase the value of the property on which first-time buyers can claim relief, from £500,000 to £625,000," the Chancellor says. "The steps we’ve taken today mean 200,000 more people will be taken out of paying stamp duty altogether. This is a permanent cut to stamp duty, effective from today."

What do we think? 🤔

22/09/2022

News headlines scaring you about the interest rate rise that's been announced by the Bank Of England today? 😱

Let me reassure you, if you're on a fixed rate mortgage, your rate will stay the same till its due a renewal. However on a tracker mortgage or a variable rate mortgage, you will notice a monthly increase.

If you've got a remortgage coming up in the next 6 months, do get in touch to ensure you're getting the right options for you.

30/08/2022

You've found the property you want, and now need to apply for a mortgage...so what could stop you? I'm going to go through the two most common issues, and their solutions.

💳 Bad Credit Debt
- Bad credit is a red flag to lenders, especially those on the high street, but often a blip is simply a blip. Don't lose hope if this applies to you, I can match you with the right specialist credit repair mortgage lender who understands your individual circumstances.

👷‍♂️ Self employed without proof of income
- Most mortgage lenders will ask you to submit 2-3 years worth of accounts but if you're without that, a lender may turn you down.
Luckily, I can match you with a lender who specialises in self-employed customers that have a better understanding of their circumstances and are better equipped to assess non-standard income.

*YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE*

02/08/2022

You may wonder why you should use a Mortgage Adviser 🤔

One word for you: OPTIONS.

You can go to your bank independently, sure...but they'll only be able to provide you with what they themselves can offer you. So if you're not eligible for a home loan with them, then you'll be sent on your way. 🚶‍♂️

A Mortgage Adviser is different. Just because one lender may have turned you down doesn't mean another will. We have over 50+ lenders to search from, some of which are exclusive to advisers only.

Meaning when you come to me, as a Mortgage Adviser, I don't call it a day at the first 'no.' I work for you to find you your YES on a deal that matches your set of circumstances! ✅

Having options matters. Not only that, but my Market Knowledge and experience puts me in a position to help guide you. 🏡

*YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR REMORTGAGE*

01/08/2022

The Bank of England today removed their affordability stress test, meaning lenders have the ability to change this if they want to. 💰
What does this mean?

The affordability stress test was originally introduced in 2014 to stop people from borrowing too much. The idea was to prevent people from being unable to keep up with their repayments should their interest rates increase by up to 3%.

This was a double edged sword because it meant often, people actually could afford more than the mortgage test would show, but it also meant homeowners knew they could afford their mortgage even if interest rates rose.

Removing the test may help some potential borrowers get loans, such as the self-employed or freelance workers. But other rules such as strict loan-to-income limits will not make it easier for most people to get a mortgage.

What do we think of this news? 🤔

27/07/2022

Remortgage sales at highest level since the pandemic! 📈

Are you looking to lock in a fixed rate loan to combat the cost of living? 💳 Hoping to escape your variable rate mortgage, or remortgage as your existing deal comes to a close?

It is crucial for you to compare products from different lenders to ensure you are getting the right deal for your personal circumstances.

I can help guide you through your remortgaging options, making sure they suit your individual criteria.

27/06/2022

A brief insight into what to know about getting a self-employed mortgage and how I can help!

*YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE*

23/06/2022

What really is shared ownership? 🤔

Here's a little video that explains the key points of shared ownership and what it really entails for you.

For expert mortgage advice, speak with me, Steve Robinson.

*YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE.*

Address

Rhuddlan

Website

https://www.conceptfs.co.uk/steve-robinson/

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