Hvb Financial Services Ltd

https://www.mortgageintroducer.com/nation wide-extends-85-ltv

... This is fantastic news – a positive glimmer which we all need at the moment!!!
Interest rates are so very very low – has there been a better time to secure your future mortgage???
Fingers crossed this is all over sooner rather than later and we can all get back to normality but in the meantime, please stay safe and please look after yourselves.
Give Helen a call for a FREE, no obligation, review – 07970 069523

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
HVB Financial Services Limited is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority. HVB Financial Services Limited acts as a credit broker not a lender. Registered Office: 65 Heanor Road, Ilkeston, Derbyshire, DE7 8DY. Registered in England. Company Registration Number: 8487597
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Mortgage Payment Holidays.....
Really important details to consider in relation to payment holidays, it is crucial you don’t cancel your mortgage direct debit as this will negatively impact your credit score. Instead you MUST follow the lenders guidance. In most circumstance the lender will require a 10 day grace period before the payment holiday comes into effect so please be aware of this, if your payment lands before the holiday, the mortgage payment will still be due.
The... key points to consider before taking a payment holiday:
- A payment holiday will be available to all customers who are up to date on their mortgage payments. - A payment holiday will also be available to all buy-to-let landlords if tenants have lost income because of the impact of COVID-19. - Customers will still owe the money where a payment holiday has been granted and interest will still accrue, so if borrowers are able to make part of the normal mortgage payment to reduce the money owed or interest charges then they should consider doing so. - Lenders will make every effort to ensure that the payment holiday does not negatively impact on borrower credit files. - If already in arrears, borrowers should contact the lender as soon as possible. Lenders will review any change in circumstances to ensure that payments remain sustainable. - If borrowers are already experiencing financial difficulty, lenders have also agreed a three month moratorium on residential and buy-to-let possession action, meaning that no homes will be repossessed at this difficult time.
Common questions
- What is a payment holiday?
With a payment holiday, borrowers will not have to make any monthly mortgage payments for a set amount of time, in this case up to three months.
However, it is important to remember that the money is still owed and the interest on the mortgage still accrues during a payment holiday. At the end of the payment holiday the lender will be in contact to assess circumstances and agree a manageable way to repay the interest charges incurred and make up the deferred payments. Each lender will have a range of options to do this.
- Who will be eligible for a payment holiday?
To be eligible for a payment holiday borrowers will need to be up to date on mortgage payments.
For buy-to-let landlords it will be available if tenants have lost income because of the impact of COVID-19.
There are a number of options available and payment holidays are not always the most suitable solution for everyone. By speaking to the mortgage provider, you can tailor the best option.
Please give me a call if I can be of any help - 07970 069523
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I hope this can be useful to some of you - it’s a breakdown of the Job Retention Scheme. 🤞🏽

In these unprecedented difficult times please remember I am here to help where I can. I can assist with lender helplines and addressing concerns about protection.
It is imperative that protection policies are kept in place and premium payments sustained, where at all possible. Peace of mind from having protection in place and your mortgage covered.
I have already had several enquiries about income protection - I wanted to make sure you had the opportunity to run through it a...s well.
On the flipside interest rates are so very low, would now be a good time to switch your mortgage deal and lock in a low rate for the future???
I am offering free mortgage surgeries if you are looking at ways to save money.
Give me a call or send me an email helen@hvbfinancialservices.co.uk 07970 069523
HVB Financial Services Limited is an Appointed Representative of PRIMIS Mortgage Network which is a trading name of Personal Touch Financial Services Limited. Personal Touch Financial Services Limited is authorised and regulated by the Financial Conduct Authority. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. The Financial Conduct Authority do not regulate most buy to let mortgages. Our fees and charges vary dependent on the service we provide. We may charge a fee of up to £995 payable on application with a typical fee of £195.
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https://www.moneysavingexpert.com/savings /help-to-buy-ISA/
Anyone over the age of 16, and not yet a property-owner, should open one of these before the end of the week. Get organised for your future, NOW!!!!
... Then when you're ready to buy your first home, let the Professionals do the work for you.
As a broker we are able to source a comprehensive panel of lenders for you, including
Broker-only lenders and deals which aren't available on the high street.
Give Helen a call to book your free financial planning appointment - 07970 069523
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Our fees and charges vary dependent on the service we provide. We may charge a fee of up to £995 payable on application with a typical fee of £195. The Financial Conduct Authority do not regulate most buy to let mortgages. HVB Financial Services Limited is an Appointed Representative of PRIMIS Mortgage Network which is a trading name of Personal Touch Financial Services Limited. Personal Touch Financial Services Limited is authorised and regulated by the Financial Conduct Authority. HVB Financial Services Limited is registered as a Limited Company in England and Wales No 8487597.
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https://www.itv.com/goodmorningbritain/mo ney
Let the Professionals do the work for you.
... As a broker we are able to source a comprehensive panel of lenders for you, including
Broker-only lenders and deals which aren't available on the high street.
How much could you save??
Give Helen a call to book your free financial review appointment - 07970 069523
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Our fees and charges vary dependent on the service we provide. We may charge a fee of up to £995 payable on application with a typical fee of £195. The Financial Conduct Authority do not regulate most buy to let mortgages. HVB Financial Services Limited is an Appointed Representative of PRIMIS Mortgage Network which is a trading name of Personal Touch Financial Services Limited. Personal Touch Financial Services Limited is authorised and regulated by the Financial Conduct Authority. HVB Financial Services Limited is registered as a Limited Company in England and Wales No 8487597.
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Any time is a good time to review the level, and detail, of your household insurance coverage.
Please also be very careful using holiday countdowns and posts about being away as they provide thieves with an excellent way to plan their diaries and make you a potential victim.
Give Helen a call on 07970 069523
... HVB Financial Services Limited is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority. HVB Financial Services Limited acts as a credit broker not a lender. Registered Office: 65 Heanor Road, Ilkeston, Derbyshire, DE7 8DY. Registered in England. Company Registration Number: 8487597
https://www.facebook.com/ThisMorning/vide os/2346487345564621/
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Look after your family's financial health.
As hard as this is to watch it highlights the importance of regular, professional reviews?
No-one wants to think about this happening to their family, but there's an easy way to ensure you don't need to worry about it again..... Book a Protection Review appointment with Helen - 07970 069523
... HVB Financial Services Limited is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority. HVB Financial Services Limited acts as a credit broker not a lender.
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Can you honestly say you have the right cover in place?????? Is it worth the risk not to check???

Can you honestly say you've got the perfect fit???
Give Helen a call and book a free review - 07970 069523

The numbers speak for themselves - insurers DO pay out on claims and that's because people are in the very unfortunate position of NEEDING TO MAKE A CLAIM.
Can you afford to say 'it won't happen to me'?
https://www.ftadviser.com/…/protection- industry-pays-out-…/…
... HVB Financial Services Limited is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority. HVB Financial Services Limited acts as a credit broker not a lender.
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