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Category: mortgages

First time buyers guide to saving for a deposit

When preparing to buy your first home, saving for a deposit can be a difficult process. As house prices, inflation, cost of living and mortgage rates increase, it can mean that some mortgage lenders may require larger deposits of the property value.

Pension Planning for the Self-Employed

There are 4.8 million self-employed people in the UK and only a third have any kind of pension arrangement. A shocking statistic when you consider that State support is shrinking and we’re all living longer.

Get the best out of your BTL mortgage

buy to let mortgage

If you have a BTL mortgage already and its fixed interest rate term is coming to an end, you may be thinking about switching products or providers to gain a better deal.

The 95% Mortgage Market

95% first time mortgage

The programme offers first-time buyers or current homeowners the chance to secure a 95% loan-to-value mortgage on homes worth up to £600,000.

95% Mortgages

95% Government mortgage

By using our expert mortgage advisers at Concept Financial Services, we can save you time and potentially money

Get Mortgage Fit

mortgage fitness

Estimates suggest that well over one million borrowers have lapsed onto their lender’s default standard variable rate (SVR). Has this happened to you?

Proving Your Income For A Mortgage

prove income for mortgage

With Covid-19 rules changing almost daily, extensions to furloughs and local and national lockdowns many are facing money worries this winter.

Deposit Dilemma?

first time buyer mortgage

Getting a mortgage may still be possible for the many despite the difficulties in the market…

SVR | ERC | LTV ?

mortgage review

As a nation, we aren’t great with our financial acronyms and terminology

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Peterjohn durrell

Will writer

I joined CFS Wills in 2020 after looking for a career change in which I could make a difference. Working with Paul again was a big factor with us initially working together over 30 years ago at Barclays Bank. We always stayed friends, and when the opportunity came to join CFS Wills I jumped at the chance. Having spent over 25 years in the motor trade and running car dealerships for over 10 years, I needed to do something different that would utilise many of the Skills and experiences I have developed over the years dealing with both private individuals and businesses. I wanted a career change that would not only be rewarding for me but be able to make a difference to peoples lives. Helping people put their affairs in order by simply completing a Will or Lasting Powers of attorney is for many quite cathartic. For most people, their Will is not very high on their wish list, yet everyone knows they should have one. For many, when they finally arrange their Will, you can see the relief in their faces.

 

Personally, I am married with two grown up children, but am now the proud owner of a dog (Springer-poo called Albi) for the first time in 30 years. To say he has taken over the house would be an understatement with almost everything revolving around him. We now all enjoy long walks and holidays near the beach for the dog. If Albi is happy, so are we!

 

Qualifications

 

ACIB- Associate of the Chartered institute of Bankers

MSWW- Member of the Society of Will writers

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