Stay Safe This Christmas

Remember - Not everyone online is a friend!

Christmas holidays are a time of joy and we all love to share our memories online.

Whether it is children's school plays, shopping spree with friends, nights out, or holiday away, live videos and photos can be seen all over the social media.

These attract likes and comments but they can also attract attention of those who can take advantage of our distraction.

Protect your home and family

• make memories but post about them after an event

• leave the lights on when you are out

• ask your neighbours to collect the post for you and keep an eye on your home when you are away

• keep valuables out of sight

• install a home security system and motion sensor lights systems

• check your home insurance is valid

Let's make wonderful memories but keep our home and family safe!

GRN Financial Services Limited is an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.

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

Am I too old for mortgage?

We are often asked the above question so we thought it would be useful to post about it.

Good news is that lenders are becoming more flexible with age limits, especially for those nearing retirement. They need to acknowledging the changing landscape of retirement and customers' finances.

One of the options for older applicants could be the Retirement Interest-Only Mortgage, allowing payments for the duration of their life or until they move into care.

For younger borrowers, many lenders offer terms of as long as 40 years, providing manageable monthly payments.

If you're over 40 and thinking about a mortgage, don't worry too much—it often depends more on the loan amount than your age.

Regardless of age, it's important to plan your mortgage term wisely. Think about your retirement age and ensure you can afford payments comfortably.

Whether you're buying your first home or remortgaging, evaluate your goals and consult with a mortgage adviser. A smartly planned mortgage sets you up for a secure future!

GRN Financial Services Limited is an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.

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

No deposit for mortgage? Yes, it's possible!

Are you wondering if it's possible to buy a house without a deposit?  The good news is that it can be done in the UK! Here are a few situations where you might not need a physical deposit:

Buying from the Council or Housing Association: If you purchase a home from your local council or a housing association, any discount you receive can count as your deposit.

Gifts from Landlords or Sellers: If your landlord or the seller gifts you equity (offers you for a discounted value) in the property, this can be treated as a deposit. This is known as a concessionary purchase.

No Deposit Mortgages: There is a lender that allows you to buy a house with no deposit if you can prove you've paid rent and bills for 12 consecutive months. (other criteria apply)

Using Sale Proceeds: If you’re selling a property to buy another, the money from your sale can be used as your deposit.

No matter your situation, it's a great idea to talk to an adviser to explore your options!

GRN Financial Services Limited is an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.

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