Despite what you may hear in the press. Let me shout it out “MORTGAGES ARE AVAILABLE” here in Camberley, Frimley, Farnborough and elsewhere in Surrey and Hampshire and in fact in most places in the UK

Now, I know that’s not what you’ve been told in the press as they go about their daily routine of spreading the doom and gloom, but I am arranging mortgages on a daily basis.

Of course, life is not easy at the moment for mortgage advisers, nor is it easy for people searching for mortgages and I have had to use all of my 20 years experience and contacts within the mortgage industry to enable me to secure mortgages on behalf of people who need a new mortgage.

I believe that it is only because I have this experience, that I’m able to secure mortgages, but it’s not easy.

For instance, if you’re a first time buyer and you were hoping for a mortgage with a 5% deposit, it may be difficult to place a mortgage with one of the larger companies, although not impossible. It could be that you may have a second salary, or a part-time job and some lenders will take this into consideration.

For people who have a fixed mortgage that’s ending quite soon, they may have to change their mortgage lender, or it may be possible to stay with the existing mortgage company, but obtain a better rate.

Even in the press today, despite the stock market rally, there are stories about some of the largest lenders who have in fact increased their rates, even though the Bank of England reduced its rate by 0.5% last week.

For instance Nationwide has increased it tracker rate by 0.3% but if you have a larger deposit say 25 to 40% its still possible to get a rate of 5.49%, but of course, you have to know where to look and who to talk to.

When people come to me for the first time, I spend a great deal of time just getting to know them and their circumstances. I find this is time well spent.

If you would like help in trying to source your new mortgage, whatever your circumstances, please call me on 01276 670777 or you can e-mail me. Michael@mumsLtd.co.uk

If you think your case is difficult, you have no idea how difficult some cases can be. We are here to help no matter how difficult you think it may be. Hey, it’s worth a call. Just for a chat.

Michael

mums

We have recently added a mortgage calculator to our website.

Calculating your mortgage before you come to see us is a good thing, but that is not the whole story.

Although you may be able to calculate your mortgage easily using this tool, but actually talking to us here at Michael Usher Mortgage Services, we probably can save you money by finding an even better mortgage plan than you think.

We have access to nearly the whole of the mortgage, unlike the individual building societies and banks, who can only offer their products….we can do the searching for you.

We receive details of the latest offers instanteously as we are in constant contact with all the mortgage providers daily, if not hourly.

So by all means check out what your mortgage may cost based on the information you input, but bear in mind our mortgage advisors, will be able to give you the right advice that may save you even more money on your monthly mortgage payments.

Check out the free no obligation calculator by clicking here.

If this has been helpful, please make a comment below.

Michael

I think its appalling the way our government is treating our Gurkha soldiers.

There is a test case going to court today on behalf of Mr Madan Gurung who served in the British Army for 24 years until 1993.

This case is one of many that have gone to the High Court and up till now all cases have gone in favour of the crown, but there is hope that this one may succeed, if not then as we know with the the Gurkha character, (which we have seen many times in fighting for this country) that they do not give up easily and I believe they should’t.

I have dealt with many Nepalese families and helped them to obtain  mortgages. I have found them to be hardworking, (sometimes holding down two jobs), courteous, friendly and honourable.

It is unfair of this government to arbitrarily set a date of 1997 and saying that all soldiers who retire after this date are entitled to settle in this country and those who served up till that date cannot.

Yes there does have to be a cut off point but in my opnion 1997 is too recent.

I would love your comments and below is a link to an interview with Mr Gurung I wish him well.

Michael

http://news.bbc.co.uk/1/hi/uk/7618100.stm

I have been wanting to start a blog for ages but just never seemed to get round to it.

But here we are…

I may not blog every day but if I have some thoughts on my business of  finding the best mortgage products for you, or something that’s in the news, then I’ll write about it here.

Michael

http://42fe8cg3xwi3lmbop6c7i-ucgi.hop.clickbank.net/

Click Here!