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  • If you are a landlord, you need to be aware of the new regulations with a deadline in 2025.

    As the government has their target to reduce carbon emissions to be net-zero by 2050, new requirement has been introduced to make all let properties energy efficient. By the end of 2025, for all new tenancies in the UK, it will be a legal requirement that let properties have EPC (Energy Performance Certificate) rating of C or above. All existing lets will need to achieve this by 2028. There is still time to prepare for this move as many older properties that now only need to be at least EPC rating E, will need to be upgraded. These upgrades might cost landlords thousands of £s. Should this requirement not be met by the deadline, landlord will not be able to let legally and they could be penalised with up to £30000 fine. The EPC is a certificate specifically assessing how energy efficient the property is. The assessment to grade the property, needs a special inspection arranged. The grading is A to G, with A given for the most energy efficient properties. The certificate is valid for 10 years. If it expires, landlord will be required to have a new inspection to obtain a new EPC. Some properties might be exempt from new EPC requirements though.

  • Could you qualify for a Green Mortgage Deal?

    As we advise clients daily on the most suitable mortgage deals, we notice more and more so called ‘green mortgage deals’. What are they then and could you qualify for one? With our country facing a cost-of-living crisis and many of us looking for ways to save up, these types of deals are becoming more and more popular. Green mortgage deals are typically available for properties with Energy Performance Certificate (EPC) rating of either A, B or C and they usually offer a better dea/lower interest rate. Green deals can be used for both home purchase as well as re-mortgage. Another benefit of having an energy efficient home is that generally it should cost you less in bills so promoting ‘green’ should be even more important nowadays. The trouble is, that many customers don’t even know where to check their house’s EPC so they may not realise that a ‘green deal’ could be for them. There comes a challenge however, if your home does not prove to be energy efficient, because the work that would need to be done to improve the EPC turns out to be quite expensive for many home owners. If you are looking for the most suitable product for you, best thing to do is to speak to a broker to help you arrange your purchase or remortgage. We are happy to help with your enquiries.

  • How can a broker help with the reality of rising cost of living?

    With energy bills increasing drastically, inflation on the jump, mortgage interest rates going up as well as other things like national insurance contributions or council tax bills expected to increase , what can we do to help our customers? As lenders are changing their approach to reflect the economic situation, many buyers will find that they no longer can get the mortgage they hoped for . Because a broker can check affordability stretches of many lenders at once, and as we know the nuances of borrowing, we can advise you which lender will be the most generous so you can still buy the house you want. Many households will be struggling to find surplus cash to cover everyday expenditures, some customers might benefit from advice on debt consolidation. This way, they will get rid of debts and free some cashflow. We would advise to speak to a broker to see if it is really the best option. Now, more than ever, it is crucial to have your income protected in case you are not able to work. Income protection insurance is an absolute must when households’ bills are going to be even more expensive. How would you cope if you only received the Statutory Sick Pay? How would you manage to pay the bills and feed your family? Speak to a broker about Income Protection. We are here to help you with any questions you have.

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  • | GRN Financial

    SPEAK TO US Please enter your details here to arrange a phone call. We will contact you via email or text as soon as possible to arrange the best time to call Close By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements. You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. Submit Thanks for submitting!

  • Mortgage FAQs | GRN Financial Services | Leek

    GRN Financial Services - Mortgage broker in Leek MORTGAGES Frequently asked questions How much can I borrow? Different lenders will have different ways to calculate how much you can borrow. It pretty much depends on whether you are employed/self-employed/own your own business or maybe you are in receipt of benefits (yes, lenders do consider certain benefits for affordability!). Some lenders do look at just basic salary and others will also consider other income elements like bonus or overtime. Why not try our simple mortgage calculator which can give you a general indication of how much you can borrow? ​ I want to buy a house – where do I start? The best way to start is to set up a strategy call with our mortgage experts. There is no better way to prepare for house buying/moving than by talking to a mortgage adviser who will check how much you can borrow and what documents you need to have at the ready. If you are planning to buy your first home, move to a different house or perhaps you are a landlord thinking of buying an investment property, best thing you can do is to have a chat with us. What documents are needed for a mortgage application? Mortgage assessment is a thorough process, so it is great to have all the necessary documents in place to be looked at by the lender. Typical documents you will need to prepare are proof of income (payslips, P60, self-assessments if you are self-employed, tax calculation and tax year overview documents if you own your business), proof of expenditures (bank statements), proof of ID (passport or driving licence), full credit report (to check how lenders may see you when they do their checks). Remember, there is no limit as to what documents and evidence lenders may ask for so be well prepared. ​ What deposit do I need to buy a house? In order to get a mortgage, you might need to put forward a % of house value as a deposit. Most house buyers tend to contribute by something around 10% or 15% to have a greater selection of lenders but of course, it is possible to buy a house with as little as 5% or no deposit at all! As every case is different, speak to our experts to learn more about what you would need to contribute. ​ Where do I get my deposit from? Most customers save up their deposit to buy a house but a deposit can also be gifted too or, alternatively, if you are buying a house from a local authority, the discount that you are entitled to under a Right to Buy or Right to Acquire, can be considered your deposit so no extra contributions may be required. If you have a family member willing to act as your guarantor, you may not need to have a deposit at all. There are so many options that you should definitely speak to an expert to find out more. ​ Can I still buy a house if my credit score is low? Simple answer to this is YES! With so many specialist lenders and their different criteria, there are lenders that are more suitable for customers with credit blips. Best to discuss with our mortgage expert. ​ I am self-employed and I have only been trading for 12 months, can I get a mortgage? Yes, you can as there are lenders that would consider applicants who have been trading for a shorter period of time than 2 or 3 years, as long as they have their first self-assessment done and it is for the full 12 months. Of course, you would need to meet all the lender’s other criteria, but it is possible to get a mortgage only after 1st year of trading. ​ ​ I own my limited company, what do lenders take as my income? When you are a company director, even though you may have payslips and P60, these are not the documents lenders want to see for affordability assessment. To calculate your income, some lenders will take your annual salary and dividends as on tax calculation document and some lenders will look at your salary and share of net profit that is on your business accounts. There are even lenders that would look at your firm’s profit before tax! Every lender takes a different approach to limited company directors so best speak to a broker before you do anything else. ​ I am on furlough – can still get a mortgage? Yes, good news is that there are still lenders out there that would consider furlough income for mortgage application. As Covid-19 has affected so many of us in many different ways, different lenders take different look at it. There are not many that will accept furloughed applicants but some still do. ​ I am a single parent – can I buy a house? Lenders do not favour families with both parents against single mums or dads. What is more important is your income and expenditures. Even if you only work part-time and some of your income is from benefits or child maintenance payments, you may still be able to buy a house. Speak to us and we will see what is possible for you. My salary is not big enough to get a mortgage – can I buy with someone else? If you earn too little to be able to get a mortgage, someone else’s income could help you apply for the loan and fund your home purchase this way. This is called joint borrower sole proprietor application. Therefore, your mum, dad or a sibling or anyone else, could potentially add their income to the application but you would still be the only owner of the house. Does it sound like something for you? Speak to us! ​ My fixed deal is expiring soon, when should I contact you to start a re-mortgage? You may be able to book your next mortgage deal as soon as about 5 months prior to your deal’s expiry date. We will check whether you would be better off switching lenders or perhaps you might benefit from staying with the same one and just renegotiating the terms of your deal. We can help with that! Do you have more questions? We will be happy to answer them! Book a call with us here There are so many mortgages available. So which one is right for you? We can help you finance the purchase of your first and subsequent property the easiest way. CONTACT US By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements Submit Thanks for submitting! You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone

  • Mortgage Broker Leek | GRN Financial Services | Leek

    A GOAL WITHOUT A PLAN IS JUST A WISH GRN Financial Services - Mortgage broker in Leek MORTGAGE CALCULATOR YOU PICK THE VIEW. WE'LL HELP YOU FINANCE IT we are extremely proud of our five star customer reviews It has been a pleasure to have used GRN Financial Services. Excellent service and very professional. Supported us through all stages of the mortgage and very informative. I will be recommending them to all my friends. A big thanks for getting us great deals and going above and beyond expected. Mateusz Karczewski Here at GRN Financial Services we are a family run business based in Leek. A mortgage broker here to listen, understand and help your family . Our mission is to provide our clients with a sense of peace and security so that they can enjoy their full life and experience the most beautiful moments without fear for their future and for their families. A dream of older generation is to repay their mortgage and a dream of younger generation is to get one. We can help and make these dreams come true. It’s a family affair at GRN Financial Services - Leek. GRN Financial Services Limited is a family-run financial planning practice based in Leek offering professional service for people requiring mortgage and protection advice. Talk to an expert with no initial consultation fees or obligation. We are happy to meet you in the comfort of your home, office or via telephone and email How can we help you? MORTGAGES HOW MUCH CAN I BORROW? Use our free mortgage calculator Use our mortgage borrowing calculator and discover how much money you could borrow so that you can own your own home . The calculator is free and easy to use, simply enter a few key details to get an estimate of how much you could borrow, allowing you to make informed decisions regarding your new home. Please note this is only an estimate and can vary depending on the lender and your personal circumstances. To get a more accurate quote, we recommend speaking to one of our advisers who will be more than happy to help you. Now that you know how much money you could borrow, you'll probably want to know how much this will cost you each month? We can help you start your mortgage search today and find out what your monthly repayments could be. Contact us below and we will get back to you as soon as possible to find you the very best options. Book a call with us here There are so many mortgages available. So which one is right for you? We can help you finance the purchase of your first and subsequent property the easiest way. ​ OUR PROMISE TO YOU ​ We take away the stress and worry. We are just a phone call away through every step of the process and you get to speak with us and not a call centre. Mortgage FAQs Read our blog Aga Gronkiewicz I’m a fully qualified mortgage and equity release adviser with a passion for helping people to achieve their dreams. At GRN Financial Services we have a saying “you pick the view and we will help you finance it”. That sums up how we work, we want to help you to find your perfect home. Family is very important to me, I founded GRN with my husband Tom and we enjoy working together. We have two teenage boys and live in the beautiful Staffordshire Moorlands town of Leek. Our office is in the town centre. Along with a passion for customer care, I believe I have a strong business ethic and both of these assets come together in the way I work. I’m also well organised and previously worked as a senior case manager for a Government Minister. Outside work, you’ll often find me baking and dreaming about travel – I love to explore new places. Tom Gronkiewicz Along with my other job, as husband to Aga, I’m a qualified business and personal protection adviser. We form a strong partnership at home and at our office in Leek, where Aga’s skills as a mortgage broker knit perfectly with mine in financial services. This means we can help you finance your home and give you peace of mind by ensuring you are protecting your family and your income, while investing your money wisely for the future. I have a strong work ethic and have been recognised by two major financial networks, receiving awards for both quality and quantity of my work. I strongly believe that I can help you improve your quality of life, whatever your current financial situation and, as a Will writer, I can also ensure your family are looked after in years to come. People are at the heart of everything we provide and that is demonstrated in how we do business. I am a keen business network and much of our work stems from recommendations. When I take time off, I like to get out into the countryside. You may well find me in the Staffordshire Moorlands or the Welsh Mountains with a backpack. Why should you choose us? You as an individual, your dreams, plans, and your success as well as your peace of mind and security are the most important for us. While you enjoy living your life your own way and enjoying it, we add value by taking care of choosing the products and services that support you best. To play, press and hold the enter key. To stop, release the enter key. Do you need more info? Speak to us on 01538 807101 ​ or please fill out the form below ​ We would love to show you how easy this process can be. CONTACT US By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements Submit Thanks for submitting! You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone Find us GRN Financial Services Mortgage broker 15 Bath Street, Leek ST13 6JQ

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