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The GRN Financial Services Blog!

 

Full of expert information and advice to keep you up to date with all of the latest mortgage and financial services that we offer

The information contained within our blog is correct at time of publication but is subject to change.

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Writer's picture: Aga - Mortgage BrokerAga - Mortgage Broker

New Year will bring lots of changes for businesses and employers due to Brexit and there may be also some changes to mortgage borrowers who are non-UK residents living and working in the UK.

Some mortgage lenders are already introducing new criteria due to Brexit! For some mortgage applications certain lenders will soon require proof of residency rights in the UK from EEA/Swiss nationals. Examples of documents required are pre-settled and settled status documents. If, therefore, you are a non UK national living and working in the UK and planning to get a mortgage, it is best to check whether you have the required residency status after 31 December 2020.

Should you need further information or need help with preparing your mortgage case, do contact us and we will be happy to help.



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Writer's picture: Aga - Mortgage BrokerAga - Mortgage Broker

October was our record breaking month in terms of amount of mortgage applications applied for and offered. Aga has worked very hard and it has reflected in her taking customer bookings for 2 weeks in advance now!


Tom has been crazy busy making sure our customers feel safe financially and writing record number of insurance and wills!


We work non stop and get results we want to see for our clients.

The busy trend on housing market will continue as market is to remain open and house valuations and viewings are still possible in lockdown




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Housing market is still very active and there are many customers who, despite the very unprecedented times, decide to move house or buy their first home.


Some of us may have realised during lockdown that they need more space, so they want to buy a bigger house. Others, who have enough deposit saved up, may have decided to take the first step now as it is hard to predict what market will be like in the coming months.


What questions should you ask the sellers or estate agents that will be important for your mortgage and purchase process?


Here’s a list of a few questions you might ask: - Why is the house for sale and have its owners (vendors) already moved out or are they also in the process of buying (in a chain)? - Are the sellers ready to negotiate on price? – lucky if you are doing a viewing with the owners so you can ask them direct - How old is the property? - Is it a freehold or a leasehold property? - If it is a leasehold, how long lease is left in years? - Is this property of standard construction? If non-standard – what type is it? - How long has this house been for sale now?


Above are just a few questions which may be crucial in the buying process.

Remember, the best thing you could do, is to speak to an independent mortgage broker who will also make sure you are mortgage assessed and so when you are asked questions about your capacity for mortgage, you will also have all your answers and documents ready.

If you have any questions, contact us for a free initial chat.



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Contact details

GRN Financial Services

Mortgage broker

15 Bath Street,

Leek

ST13 6JQ 

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

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OUR FEES and charges vary depending on the services we provide to you. We typically charge a fee of £499 payable on mortgage offer.

Some of the products/services shown are not or may not be regulated by the Financial Conduct Authority.

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GRN Financial Services Ltd is a company registered in England and Wales. Registered number: 11200120. Registered office: 15 Bath Street, Leek, Staffordshire, ST13 6JQ. 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. GRN Financial Services Ltd accepts no responsibility for any loss or damage resulting directly or indirectly from the use of the content on this website. The content of this website is aimed at UK based customers only.

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