A very happy New Year to all our clients, team members, colleagues, friends and family. We look forward to working together in 2023, helping you save time, money and stress on your next mortgage and protection product. We will continue to provide our personalised service to homeowners, first-time buyers, property investors and protection clients.
DOUBLE BONUS REFERRAL SCHEME - EXTENDED UNTIL 31st march 2023
Earn £100 for every person you refer to Stratton Thorpe
We’ve extended our DOUBLE REFERRAL BONUS until 31st march 2023. Receive a £100 Amazon voucher every time you recommend our mortgage broker service to your family, friends and colleagues.
If you are reading this, chances are you have already experienced our award-winning tailored mortgage and protection advice service. We most likely saved you time, money and stress to smooth the process of securing your mortgage. If so, receive a double bonus reward from us when you recommend and refer Stratton Thorpe Mortgage Solutions.
Terms & Conditions
Double Bonus £100 Voucher Scheme available until 31st March 2023
Available on our mortgage broker service only
To qualify, simply pass on our details and ask them to mention your name and Ref:ST2022 when they contact us
If the person you have referred successfully takes out a mortgage through us, you will receive a £100 Amazon voucher as a thank you
Voucher to be sent to you via email within 30 days of the mortgage completion
You may refer as many people as you wish. However, a maximum of three vouchers can be claimed in any 12 months
MORTGAGE NEWS & UPDATES
We're pleased to share some good news for homeowners and first-time buyers. Over the last few days, we're happy to report rate reductions by several lenders and the marketplace finding stability. Some lenders are responding positively to recent Bank of England base rate increases with offers of exclusive deals to help homeowners.
As mortgage brokers, we spend time researching the latest lender deals and rates, so you get the most up-to-date information.
With lots of negativity in the news, it's easy to feel despondent. But don't worry. Let us do the research and sourcing for you. We search a comprehensive range of lenders across the market, accessing over 65 lenders to find suitable products to meet your current and future needs.
How brokers can work eFFectively with vulnerable clients
Nearly 28 million adults in the UK are estimated to have some sort of vulnerability, according to the Financial Conduct Authority (FCA)
Health, life events, resilience and capability are the four key drivers of vulnerability outlined by the FCA. Health conditions such as physical or mental disabilities, chronic illnesses, hearing or visual impairments and addiction issues among other things, can cause a range of vulnerabilities in clients which brokers are tasked with taking into account in a sensitive way when discussing options and giving advice.
Equally, clients may develop vulnerabilities in response to life events that crop up, such as when they experience a change in their financial circumstances, suffer a bereavement or relationship breakdown or suddenly acquire new caring responsibilities.
Brokers are likely to see an uptick in this category of vulnerability, as the cost of living crisis is set to alter more and more clients’ financial standing and wellbeing. This, along with low financial or emotional resilience, is perhaps the more nuanced vulnerability driver: these circumstances can fluctuate and are not necessarily permanent, but acknowledging them and ensuring they are given due consideration is still vital for delivering the best outcome.
Clients are making life-changing decisions when they approach a broker for advice, so if and when any vulnerabilities are identified, brokers need to carefully consider how such vulnerabilities are likely to compromise their clients’ capacity to make such important choices.
SOURCE - MORTGAGE STRATEGY
FLEXIBLE APPOINTMENTS
We make it easy to book an appointment with our Mortgage & Protection Advisers, at a time and location to suit YOU. We’re also available around the clock to answer questions & queries. It’s all part of the Stratton Thorpe tailored service.
7 days a week - Monday to Sunday meetings available
AM & PM - Mornings, Daytime & Evenings appointments to fit around your work, childcare, and life commitments
Flexible locations - Face-to-face at a place most convenient to you, for instance, your home or workplace
Hassle-free - Escape the town centre hustle and hassle of public transport and parking
Telephone or video calls if you prefer
Thinking of moving?
But not sure what will happen about your mortgage. Many mortgages are 'portable', which means you may be able to transfer your current mortgage product to a new property. We can calculate all the costs and review your options to transfer your current mortgage to a new property or take out a new deal. Maybe you've fallen in love with a new build, outgrown your current space, dreaming of a renovation project, or wish to downsize or relocate.
We will help you consider and calculate all the costs of moving, including
• Estate agent fees
• Legal fees for buying & selling
• Moving costs
• Mortgage fees
Stamp duty Changes to the stamp duty rules now mean you will pay
• 0%: £0 - £250,000 (£425,000 for first-time buyers)
• 5%: £250,000 - £925,000
• 10%: £925,000 - £1,500,000
• 12%: £1,500,000+
Book a free no-obligation initial consultation with us, and we can help make your next dream home a reality!
New rents rise twice as fast as earnings: Zoopla
Rental growth for new contracts came to 12% on a yearly basis this December, says Zoopla.
This is double average earnings growth over the same time frame – 6%.
It also means that the average single earner is paying the highest proportion of their salary on rent for over a decade, 35%.
Average rent for a new let, having gone up £117 per month across the year, is now £1,078 each month.
Zoopla’s report also shows that the number of properties on the market available for rent is down 4% compared to last November and 38% down on the five-year average.
Meanwhile, enquiries for rental properties is up 46% on the five-year average per estate agency branch.
SOURCE - MORTGAGE STRATEGY
HELPING OUR BUSINESS CLIENTS
We're supporting our business clients by partnering with Watts Commercial Finance one of the UK's fastest-growing independent financial consultancies. Since 1985, Watts Commercial has provided bespoke finance solutions to businesses of all types and sizes through an extensive and ever-growing panel of lenders.
Are you self-employed?
Do you have plans for your business that could need commercial borrowing in the next 12 months?
Do you own your business premises, or have you considered buying your premises?
How is your current business cash flow?
Are you looking to buy more machinery or equipment to expand your business?
Have you considered growing your business through acquisitions?
Want to know more? Contact us today.
*The FCA does not regulate commercial lending. We act as introducers only.
CLIENT FEEDBACK
Thank you to all our fabulous clients for choosing Stratton Thorpe Mortgage Solutions. We would love to hear your feedback if you haven’t already given us a review. We’re making it quick and simple to share your experiences
Feedback from customers helps others feel confident about choosing a mortgage broker. Your comments also allow us to continue providing a customer-focused service. Thank you ♥️
