Ideal Mortgage Advisers

Great recent feedback for Andrew, we look forward to helping you again in the future Adam

According to Zoopla’s December House Price Index, there was a 25% rise in the stock of homes for sale. This was 4% higher than during the same period in 2019. Buyer sentiment saw improvement, with demand also up by 19%. The Index also recorded a 1.1% decline in average house prices in November 2023 encouraging more buyers to the market. There was no substantial drop in house prices, despite the increase in mortgage rates, because of several factors: wages continued to grow, the labour market was strong, and lenders tried to help borrowers as much as they could with the Mortgage Charter, all of which helped to prevent forced sales and a subsequent landslide in property values. New buyers and those looking to remortgage may still find affordability a struggle in 2024 – however, Zoopla predicts that first-time buyers will be the largest group of buyers in 2024 and into 2025, with rising rent prices being a key motivation. Read the full article: https://lnkd.in/eeaKir-r

Fantastic feedback for David 👏 Thanks for continuing to use us James, we look forward to helping again soon.

When circumstances in your life change, your insurance needs to change with them. Life insurance policies last a lifetime so it’s only natural for things to change along the way. If you don’t keep your insurance up to date, the protection you have may no longer be enough. You may need to change your life insurance if: - You move or remortgage - if you move into a bigger home or remortgage, you’ll need to increase the amount you’re covered for. - You pay off your mortgage faster than expected - in this case you can decrease your insurance. - Your family grows - new children and grandchildren mean more dependents to be provided for if you pass away. - The value of your property rises Get in touch with our insurance expert, Rhys to discuss your needs: 📞 07908 517692 📧 [email protected]

The majority of lenders now let you secure a new rate 6 months prior to your current one ending and with rates continuing to rise, you should take action now. The rate you secure now will stay locked in place until your fixed period ends. ⬆ if rates go up during this time, happy days, you have your new rate already secured ⬇ if rates go down, you’re not tied to the rate you secured, you can switch onto the lower rate It’s a win win so we really recommend you take action as early as possible. Speak to us today to ensure you’re in the best possible position 📞 0117 444 6753 ✉ [email protected] 💻 https://lnkd.in/dkVg2ayE

You’ve seen plenty of our Trustpilot reviews but did you know we also have over 140 5 star reviews on Google? Check out this great feedback Brian received recently 👏

As we wrap up for 2023, we’re looking back on how much you’ve helped us raise for Help Bristol's Homeless Charity. For every mortgage we complete, we make a donation and have so far raised over £15,700 for this great cause. Help Bristol’s Homeless ethos is that housing must come first, and then everything else comes after. They build accommodation to be used by residents while they access the help they need to secure a permanent home. This donation has helped to fund a counsellor at the site for a year so thank you for your continued support. Have a look at the great work they do around the city: https:// helpbristolshomeless.org

Construction industry workers (CIS) may be eligible for special criteria when applying for a mortgage, sometimes referred to as CIS mortgages. Many sole traders will write off as many expenses as possible against their income in order to reduce tax and because lenders generally assess affordability based on net profit figures, the mortgage amounts offered to these individuals are typically lower than anticipated. A CIS mortgage allows lenders to calculate affordability on gross income figures, rather than net income figures. This can increase the mortgage amount you’re able to borrow. Lenders will calculate your borrowing power based on your average annual income. To do this, lenders will ask for 3-6 months of your latest payslips. For more information and to get an idea of how much you could borrow, get in touch with our advisers 💻https://lnkd.in/dkVg2ayE

Celebrating another year of IMA with our 2023 Christmas Party. Merry Christmas all! 🎄

We’re glad to have been able to help with both mortgages, Ian and look forward to helping you again in the future 🙌 https://lnkd.in/d44x_WGx