Well the Bank of England rate came down 0.25%:

• What difference has that made to YOUR mortgage payment?
• Was the reduction much? Was it worth the wait?
• How much did YOU spend on Christmas?
• Has the credit card bill arrived yet?

CALL US FREE ON 0800 093 2740 TO ARRANGE A FREE NO OBLIGATION MEETING

Confusion still reigns in the financial markets. The Northern Rock situation is still unresolved. The credit crunch has hit America hard and is pushing them further towards recession.

Through the world wide financial institutions we are all linked and so it is inevitable that we will also suffer to some degree. The question is “Are you ready”?

UK lenders are pulling out of the adverse credit market (Those with mortgage arrears, County Court Judgements, Late payments etc).

Loan to value of 90% are now a thing of the past. Many of the lenders that have remained in the sub prime market have reduced their loan to value limits down to 75%. Those that haven’t have pulled out of the market altogether. The borrower’s choices are now becoming restricted.

Homeowners who thought they had equity in their homes to fall back on and get them out of trouble may no longer have this option.

Do not put it off until later! Act Now!

Or Are you a Prime borrower? You haven’t got away unscathed!

Lenders are taking the recent rate reduction as an opportunity to recover their margins, new rates are being released with smaller discounts.

Low headline rates are on offer and they are still attracting the unwary and inexperienced borrower. Lower rates have to be subsidised from somewhere and the devil is in the detail. Lenders have increased the arrangement fee some as high as 2.5% of the mortgage amount.

Some deals are now being offered on an annual interest payment basis, meaning those capital repayments have no impact until the end of the years payments have been made. Overall this is a more expensive mortgage type. Do you know what to look for in a mortgage deal?

Never has it been more important to take professional advice to ensure you get the best solution for your own particular circumstances. A Professional adviser has access to schemes that simply are not available to the general mortgage public. Why accept second best? Why accept one lenders offering and not compare against the whole of the market place?

In 2007:- 56% of All Things Financial business was on Prime Mortgage Cases. We work hard for busy professionals who haven’t the time to research the mortgage market, haven’t the time to visit lenders branches for interviews, haven’t the time to stop work and deal with solicitors. We work hard for all our clients that want a professional solution to their individual needs, whether they are a Prime candidate or an Adverse Credit candidate.

The bad news! It’s going to get worse before it gets better.

GET OFF THE FENCE! TAKE ACTION NOW!

RELAX

CALL US FREE ON 0800 093 2740 TO ARRANGE A FREE NO OBLIGATION MEETING, and lets see if together we can make 2008 and better year.

We are impartial and have access to hundreds of schemes that will not become available to the general public.

What are you waiting for?