01253 886600

Arrange A Telephone Meeting

Appletree_Logotype_Icon dark rgb

Home
About
Mortgage Advice
Pension Advice
Life & Protection Insurance
News
Contact

Tax Allowances

Are you up to date with this tax year’s allowances for pension, investment & savings?

Watch this video to find out more

Approved he Openwork Partnership May 2023

Search for:

Recent Posts

Bank Rates – what do you need to know?
The 2023 Autumn Statement: Winners and Losers
Buy to let as a Landlord
Navigating Mortgage Repayment Challenges: A Four-Step Guide
How To Calculate How Much You’ll Need For Your Retirement

Categories

General Finance
Inheritance Tax
Insurance
Investing
Mortgages
Pension
Retirement
Saving
Services
Uncategorized

Contact Us

Telephone: 01253 886600
Email Us:-
Address:-
12-14 Breck Road
Poulton-Le-Fylde
Blackpool
Lancashire
FY6 7AA

appletreefs

If you’re a First Time Buyer we’re the advisors for you!
Your Home May Be Repossessed If You Do Not Keep Up Repayments On Your Mortgage

⭐⭐⭐⭐⭐ Review Over ten years ago, Mike

⭐⭐⭐⭐⭐ Review

Over ten years ago, Mike Shaw at Appletree Financial Solutions was recommended to me by a trusted friend who is an accountant. I am so grateful that she did recommend him, as Mike has been helping me to manage my pension investments ever since.

Whilst advising me with my finances, Mike has always taken the time to explain everything in detail to me. He has always been professional and respectful, but also friendly and approachable. I trust him completely, and highly value his financial advice. In the past, Mike has also sorted out a mortgage for me, which wasn’t straight forward.

He went above and beyond to make sure this was possible for me. He made a very stressful situation seem so much easier, and I was so grateful to him for that. I would highly recommend Mike and all the team at Appletree, and would like to say a massive thank you for all the help and support that’s been given to me over the years.

Fixed-Rate Mortgages: Predictable Payments Fixed-

Fixed-Rate Mortgages: Predictable Payments

Fixed-rate mortgages offer borrowers a set interest rate for a specific period, usually 2 to 5 years. This means your monthly payments remain consistent throughout the fixed term, regardless of changes in the Bank of England base rate. Here are the advantages and considerations of fixed-rate mortgages:

Benefits:

Stability: Fixed-rate mortgages provide predictability in monthly payments, allowing you to budget with confidence and avoid surprises due to interest rate fluctuations.

Long-Term Planning: If you value long-term financial planning and want to avoid the uncertainty of potential interest rate hikes, a fixed-rate mortgage offers security.

Considerations:

Early Repayment Charges: Some fixed-rate mortgages may have penalties for repaying the loan early or remortgaging before the fixed term expires.

Initial Rates: The interest rate of a fixed-rate mortgage may be slightly higher than variable rates, especially if you're locking in for a longer period.

Conclusion

When selecting a mortgage in the UK, it's essential to consider your financial goals, risk tolerance, and long-term plans. Interest-only mortgages offer lower initial payments, fixed-rate mortgages provide payment predictability, and repayment mortgages allow you to build equity over time. Evaluating the benefits and considerations of each type of mortgage will help you make a well-informed decision that aligns with your financial situation and homeownership aspirations. Consulting with a mortgage advisor or financial professional can further guide you toward the most suitable mortgage option based on your unique circumstances.

#fixedrate #mortgageoptions #mortgage #remortgage

Repayment Mortgages: Building Equity Over Time Re

Repayment Mortgages: Building Equity Over Time

Repayment mortgages, also known as capital and interest mortgages, involve monthly payments that cover both the interest on the loan and a portion of the principal. Over time, the outstanding loan amount decreases, and by the end of the mortgage term, you'll have fully repaid the loan. Let's explore the benefits and considerations of repayment mortgages:

Benefits:

Equity Growth: With each payment, you're reducing the outstanding loan amount and building equity in your property over time.

Clear Debt: At the end of the mortgage term, you'll fully own your property, and you won't have to worry about repaying the principal or any lump sums.

Considerations:

Higher Initial Payments: Repayment mortgages generally have higher initial monthly payments compared to interest-only or fixed-rate mortgages.

Budgeting: While the consistent monthly payments help with budgeting, they can be higher than the initial payments of other mortgage types.

#repaymentmortgage #mortgageoptions #mortgage #equity

☃️ We are thrilled with our Christmas window d

☃️ We are thrilled with our Christmas window display. Huge thank you to @ca_interiordesigns for her amazing work. 🤩
🎄 We'd like to share the happiness, so we're giving away a Christmas Hamper. 🧺 🎁
🎄 To be in the draw, simply:
- 𝑻𝙖𝒌𝙚 𝙖 𝙥𝒊𝙘𝒕𝙪𝒓𝙚 𝙤𝒇 𝒚𝙤𝒖𝙧𝒔𝙚𝒍𝙛 𝙣𝒆𝙭𝒕 𝒕𝙤 𝙩𝒉𝙚 𝙬𝒊𝙣𝒅𝙤𝒘
- 𝘾𝒐𝙢𝒎𝙚𝒏𝙩 𝙖𝒏𝙙 𝙨𝒉𝙖𝒓𝙚 𝙞𝒕 𝒐𝙣 𝙩𝒉𝙞𝒔 𝒑𝙤𝒔𝙩
- 𝑳𝙞𝒌𝙚 𝙩𝒉𝙚 𝒂𝙘𝒄𝙤𝒖𝙣𝒕
🎁 One name will be drawn at random on the 19th December 🎁
Good luck 🎅🤶

#windowdisplay #christmas #giveaway #prizedraw #christmasgift #art #windowart #snow #festive #competition #financialadvisor

One entry per person; entrants must be over 18 and live in the UK

Load More Follow on Instagram

Appletree Financial Solutions Ltd is registered in England & Wales no. 05639143. Registered Office: 12-14 Breck Road, Poulton Le Fylde, FY6 7AA
Appletree Financial Solutions Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised
and regulated by the Financial Conduct Authority.

The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable
or available in any other country which may have access to it.

Approved by The Openwork Partnership on 7/6/23

Privacy Policy
Referral
Contact Us

Facebook
X
Instagram

Copyright © Appletree Finance [wpsos_year] | All rights reserved