1st Mortgage Services
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1st Mortgage Services Welcome to 1st Mortgage Services, we're a non-judgemental, supportive and friendly mortgage and insurance broker based in Thirsk, North Yorkshire. We specialise in getting the most suitable mortgages for our clients from a curated list of 70 of the very best lenders. We've done the hard work - we've already built fantastic relationships with these lenders, so you don't have to.

Our service is completely tailored to fit your requirements. We cater for all parts of the mortgage market and clients nationwide. Customer service is everything for 1st Mortgage Services - selecting a mortgage lender and knowing which is the right product for you can be a complex and time-consuming exercise. Julie and her team make this easy - they offer sound, reliable and friendly advice, taking the headache out of this important life decision.

The team carry out their work over the phone, via email and by post - plus home visits, at times to suit the client, are also on offer. Given my experience, I feel that the company/individual operate in such a way that treating customers fairly is central to their culture.
Highlights

read more › Julie is owner & founder of 1st Mortgage Services - A Mortgage & Insurance Adviser since 1998, started the business in 2008 with the passion to help clients financial well being throughout their lives Nationwide. Looking at Mortgages & Insurances to protect their lovely homes & lifestyles. Looks after clients in the Harrogate, Ripon area. Again being a Mortgage Adviser for around 20 years, Pamela helps clients with complex needs and has many years experience to pass on to clients whom may not be in a situation that's straight forward.

read more › New to the housing market? Not sure what using a mortgage adviser would entail? Here at 1st Mortgage Services, we offer non-judgemental, supportive and friendly advice to support you through the house-buying process, from beginning to end. As we've already done the hard work in building fantastic relationships with lenders, we have access to a wide range of mortgages and will find the best one for you. Take a look at our video to see what to expect from our service and give us a call on 01845 501830 to get you moving today!

read more › Don't just assume your existing lender has the best deal for you! Contact us to review your mortgage. We'll discuss your plans with you, as there's every chance this could alter what rate you chose now. If you already have a mortgage on your home, you could be considering a remortgage to get a better deal than you currently have. There are a number of reasons that people look to remortgage their properties. Understanding why you want to remortgage is important before you go ahead and sign on the dotted line.

read more › When you are in the position to be able to buy a property to rent out, you will need to start looking into buy to let mortgages. They are not the same as the conventional mortgages out there that you use to buy your own house, which means our research is important here. For a buy to let mortgage, you'll need a larger deposit and you will face higher fees with a higher rate of interest. Lenders calculate what you can borrow using a Rental Income Ratio calculation and all the lenders have different calculations.

read more › Firstly do not feel embarrassed! 1st Mortgage Services are there to help you find the right mortgage for your bad credit situation. There are always deals available, you just need a helping hand to find them. When you have adverse credit, you are most likely under the impression you won't get the chance to own your own home. Here's the thing: bad credit doesn't have to mean that you're stuck in a cycle of renting for the rest of your life. If you know where to look, there are places that will accept you for a mortgage with bad credit.

read more › It's not a myth that if you are a company owner, it's harder to get a mortgage. The good news though, is that it's not an impossibility. Mortgages for company owners, or the self-employed, have more of a long-winded process behind them but, with 1st Mortgage Services, you can get the right deals for your needs and resources for your mortgage. As a company owner, there are plenty of ways that you can prove to a lender that your income is reliable enough when you are self-employed. You have some extra hoops to jump through, but self-employed mortgages are still a possibility for you.

read more › Almost half of all marriages end in divorce and, while it's one of the most stressful and heartbreaking times a couple could go through in life, there is more than just their marriage that is affected by it. It's not a clear cut case that once you decide to leave your spouse, you walk out. Marriage legally binds you together, which means that if you have decided to get a mortgage together and purchase a home together, you need to work out how your mortgage is going to be affected by the dissolution of your marriage.

read more › Home insurance is possibly one of the most straightforward of the insurance market. It doesn't matter the size or shape of your home, you still want to protect it as much as possible. Part of this is going to be purchasing home insurance to make sure that if anything did go wrong, you are covered. You cannot predict whether there's going to be a fire or flood. You cannot predict if strong winds are going to blow the tiles off your house. What you can do, is cover yourself - just in case. Building insurance covers the structure of the house; the roof, walls and windows.

read more › Buildings insurance provides cover for your property in the event of damage, whether intentional or in a storm, fire or flood. While you cannot predict any issues happening to the structural integrity of your home when Mother Nature steps in, you can cover yourself just in case of an issue. There are, of course, things that buildings insurance won't cover you for and these are things that will be written into your insurance policy. The insurance policy that you have will dictate whether any of those exclusions apply to you, and it's very important to remember that the policy you have won't offer the same level of cover as other policies.

read more › Contents insurance is what you need to cover belongings such as furniture, gadgets, electrical equipment and personal items. Buildings insurance is just for homeowners, but contents insurance is something that can be valuable to everyone - whether a homeowner or a tenant. While contents insurance isn't a legal requirement in the same way that car insurance is, it's smart to invest in it. With 1st Mortgage Services, and we deal with a number of companies who provide Buildings Insurance to find you a policy suitable to your needs and ensure you can secure your contents against theft, fire and flooding.

read more › Life insurance protects your family finances and adds security to their future after you are gone. Life insurance pays out a large sum of money in the event of your death. You may not have thought about it, but as you don't know the day that you will die, you need to prepare for every eventuality, and a part of that is going to be setting your loved ones up financially for when it does happen. You may not be the breadwinner of the house, but your death could increase the financial strain on your family while they pay for childcare unexpectedly.

read more › Income protection is a long-term insurance policy and it's there to help you if an illness or injury puts you out of work. Did you know that there is a type of insurance out there that is designed to protect your income? Every single year, over a million people in the UK are unable to work due to serious illness or injury. Income protection is a type of insurance that is designed to protect you if you can't earn an income if you get sick. Most people can't survive on sick pay alone, which means that you need another way to pay the bills.

read more › At 1st Mortgage we can help you search the market and find the right coverage choice for you. You can choose an individual critical illness plan that suits your needs. When you are diagnosed with a critical illness, it can have a financial impact on your life. You might find that you are unable to work and earn a living for you or your family. It's also possible that your quality of life changes because you could struggle to stay active. Or, you might just need to pay for the best medical treatment possible.

read more › Selling your property and buying a new one isn't exactly an easy moving home process, but while it may be long-winded, it doesn't mean that it has to be stressful. There are a lot of ways that you can make this process easier on yourself, and below, you'll find a step by step process that simply makes sense. Get your paperwork in order. The very first step is getting your finances in line so get your bank statements, payslips, p60s or Accounts etc. Also find all that legal paperwork from when you bought your property.

read more › Important: First-time buyers buying a property in England or Northern Ireland worth up to 500,000:- You'll pay zero stamp duty on the first 300,000 of any home costing up to 500,000 (and only 5% on any proportion between 300k and 500k). We charge a combination of an initial fee of 250 on application and retain the commission received from the lender. Think carefully before securing other debts against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.

read more › The process of moving house is one thing, but it's always made far easier if you actually know the mortgage types that are available to you before you make your final choice. Check out the options available for you below before you go ahead. An interest only mortgage is an arrangement that allows you to just pay the interest charged each month over the term of the loan. Repayment mortgages are home loans that require you to repay a portion of the capital along with some of the interest every month.

read more › You need to chose your solicitor before you apply for a mortgage as their details will need to be confirmed on the mortgage application form. You cannot complete on your mortgage without the right solicitor and a solicitor - or conveyancer - will be the person to handle the legalities of buying or selling a property for you. The best solicitors out there will always keep you in the loop so that your moving home process can move forward with ease. When you want to find the right solicitor, you first need to know what it is that they can do for you.

read more › When you are selling your house and buying another one, you are up to your eyeballs in paperwork. This can put a lot of pressure on you to ensure that you are doing things at the right pace and pressure turns into stress. Stress turns into screeching and moving day is supposed to be exciting - not scary! Start packing early, really early. You are selling a house, so you should start thinning down your belongings and getting them ready for packing. Even the most organised individual will end up rushed off their feet if they don't pack early enough.

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