Spring Newsletter 2023

Following the turmoil caused by last September’s mini-Budget, we’ve seen Fixed Rate mortgage deals reduce from the high levels of last Autumn, yet at a time when the Bank of England Base Rate has risen again!

To many, this may seem strange, but this is because Swap Rates have a greater influence on Fixed Rate mortgages, and as shown in this issue, they’ve reduced since the Autumn.  Additionally, rates will also be affected by world events, plus the desire amongst some lenders to compete for market share, which might deliver better deals for you.

To make sense of all this, it’s vital that you talk to us, as we have the expertise, and know where to look for the most suitable products for your own individual needs.

Some of these issues are set out in the latest newsletter, alongside key snippets from the recent Budget.

The First-Time Buyer faces conflicting issues, such as possible house price falls, and that renting is likely to be more expensive than being a homeowner.  But there’s still the issue of providing the deposit for that first purchase.  We can work with you to find a way forward.

Many of the 4.3m Self-Employed workers feel that they are unfairly penalised when it comes to securing a mortgage loan.  Fortunately, there are lenders out there who take a more favourable view of this sector, and we can help identify the most suitable route for you.

 

Finally, with 2.5m people currently off work due to long-term sickness, and 50 people, on average, dying every day, who are aged 18-44.  Do, at least, have a conversation with us about both the cost, and what’s on offer regarding Protection Cover.

I hope you find this issue of interest and do get in touch if you have any questions.

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Winter Newsletter 2023

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Welcome to the winter 2023 edition of the Bespoke Money newsletter.

We would like to keep you in tune with what’s going on in the market.

 

Autumn Newsletter

On the back of the Chancellor’s announcement for further financial support, we look at what this exactly means for those self-employed, landlords, first-time buyers and current lenders.

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May Newsletter

In this issue, we cover the financial impact, mortgage holidays and our professional advice on what you can be doing.

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Covid 19 Update

In this issue, we cover the temporary reduction in Stamp Duty on property transactions in England and Northern Ireland. So, perhaps now’s a good time to consider your borrowing needs, and maybe take advantage of the excellent mortgage deals on offer.

Elsewhere, we provide an update on the wide range of financial support that’s available to help counter the impact of the COVID-19 crisis.

And with so much going on, it makes sense to seek the professional advice that we can offer. Please do get in touch to discuss your needs.

Keep safe.

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Spring Update

In this issue, we cover the temporary reduction in Stamp Duty on property transactions in England and Northern Ireland. So, perhaps now’s a good time to consider your borrowing needs, and maybe take advantage of the excellent mortgage deals on offer.

Elsewhere, we provide an update on the wide range of financial support that’s available to help counter the impact of the COVID-19 crisis.

And with so much going on, it makes sense to seek the professional advice that we can offer. Please do get in touch to discuss your needs.

Keep safe.

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