Divorce. Why do you need to be aware of your finances?

It is only natural that after being with someone for a while that your finances become entwined. You will be surprised how many financial products and agreements you will share with your ex-partner. These agreements may be in the form of a mortgage, credit card, car loan or even everyday utility bills. You need to [...]

2020-01-29T14:41:55+00:00 February 6th, 2020|News|

How much will it cost to buy your first house?

This guide will give you an indication of the major costs associated with buying your first house or flat in England. The processes and fees for Wales and Scotland are different. We will look at the cost of moving home, your deposit and solicitor fees. This guide will help you budget for these costs to [...]

2020-01-21T16:53:16+00:00 January 21st, 2020|News|

Credit score and how to improve yours.

You must check and manage your credit score regularly. Why you might ask? Well, it can affect your ability to borrow money or access financial products such as mortgages, loans and credit cards. So, what is a credit score? It is financial information held about you on a credit report, also known as your credit [...]

2019-11-07T15:53:59+00:00 January 6th, 2020|News|

Trying to raise a mortgage deposit?

Young people trying to get on the property ladder are relying more and more on the ‘bank of mum and dad’ to help with their mortgage deposit. We are told that one in three first-time buyers expects to ask their family to help with the purchase of their first property. Some parents are in the fortunate position [...]

2019-10-16T15:38:11+01:00 November 4th, 2019|News|

Should you be remortgaging to a better deal?

This is what you need to know about remortgaging and why you should review your mortgage regularly. When your existing fixed-rate or discount mortgage rate comes to an end you should review your options. This may be changing to a new deal with your existing lender or moving your existing mortgage to another lender to [...]

2019-10-15T16:50:02+01:00 October 28th, 2019|News|

Protection for when the unexpected happens.

By Rachel Efetha, Chartered Financial Planner with Anstee & Co. I’d like to tell you about my client David.  Eight years ago, his wife, Kath, was hit by a car when their youngest son was just two weeks old.  She was in a coma for six months and is now severely brain-damaged.  David had to [...]

2019-10-15T16:55:24+01:00 October 21st, 2019|Uncategorised|

Could an Apprentice really be the answer?

By Jane Lumley-Walker, Office Manager at Anstee & Co. Back in January 2018 one of our administrators handed in his notice looking for a career change. We had a gap to fill and how best to do it?? We could recruit an experienced administrator but would have significant recruitment costs and training to carry out [...]

2019-09-19T15:47:51+01:00 September 19th, 2019|News|

Trouble Downsizing? How we can help you.

By John Cossons, Equity Release Adviser. I have recently helped several clients who have interest-only mortgages. They planned to repay their existing mortgage by downsizing. This means selling their existing property and buying something less expensive, to clear the mortgage. However, in the current property market, they have had problems selling the property in time [...]

2019-09-26T10:40:42+01:00 August 27th, 2019|News|

Mortgage criteria: How much can I borrow?

The first question our mortgage advisers are usually asked is "How much can I borrow”? In the past, mortgage lenders based the amount you could borrow mainly on a multiple of your income. This was often referred to as the loan-to-income ratio. Mortgage criteria have now changed. This worked by looking at your salary and [...]

2019-07-01T16:43:39+01:00 July 15th, 2019|News|