Louise Riley - Zest Financial Ltd

Coronavirus is going to have a huge affect on us all and a lot of small business like myself - so if you do one thing today in this isolation, it would be amazing if some of you lovely people could help me and my business out?
PLEASE GO TO MY BUSINESS PAGE
Louise Riley - Zest Financial Ltd
... Scroll across the top to the right, go to ŌĆ£COMMUNITYŌĆØ
Click ŌĆ£INVITE FRIENDSŌĆØ
Click ŌĆ£ALLŌĆØ
Wait 10-15 seconds for the invitations to send - itŌĆÖs as simple as that ­¤żŹ
COMMENT DONE with the name of your business and I will do the same for you in return ­¤ÖÅ­¤Å╝
Supporting small businesses doesnŌĆÖt require spending loads of money.. itŌĆÖs as simple as sharing, liking and promoting. It really does mean a lot especially at an uncertain time like now. Thank you in advance!
Stay Safe everyone ŌØż’ĖÅ [Copy and pasted from another small business].
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A great initiative by The Little Marketing Company, please join the group ­¤śŖ

As you may be aware, we are all working from home and it is business as usual for us here at Zest Financial Ltd.
Just to make you aware that due to the school closures I do have my children at home. I will be working everyday and if I am unable to take you call, I will come back to you as soon as I am able to.
Please do note, Dee (my administrator) will be working and is contactable on 01733 857785 (if the phone lines aren't answered this is due to the high volume of call's... so please do leave your name and number so she can come back to you as soon as she can!)
We would like to thank you for your patience and support at this time.
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Over the last week I have received lots of messages asking for advice on the 3 month payment holiday. I hope this helps ­¤æć

The Covid-19 Mortgage Payment Holiday: What does this mean?
The government has said that anyone finding it difficult to make repayments on their mortgage can ask their lender for a payment holiday. This would last up to three months.
How should you apply?
... You should approach your lender directly to make your application if you are struggling to keep up with repayments on your mortgage. Indications are that all applications will be processed as quickly as possible, but please remember the high level of enquiries lenders will have due to the current situation. Make sure you get in contact with your lender before you miss a payment rather than waiting until you get into trouble.
Are you guaranteed to be accepted for a Covid-19 mortgage payment holiday?
No, as all applications will be considered individually. However, if you are facing financial trouble, perhaps through losing your job or being paid fewer hours during this time you could be accepted for the holiday. Please be aware that you may need to provide proof of your circumstances to be accepted.
What do you need to know:
It wonŌĆÖt stop the interest accruing on the amount owed on the home loan during this period that no repayments are made, this may mean adjusting monthly payments later in the term once the crisis surrounding coronavirus is over. You can ask your lender to explain more about the situation if you are accepted for the payment holiday, however they are standing by and eager to help, with many offering helplines and online support.
So remember, if you feel like you are struggling with your repayments on your mortgage please contact your lender directly as soon as possible.
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Although we are all working from home as a precaution, it is business as usual for Zest Financial Ltd. You can use the normal telephone number and email addressŌĆÖ to contact us.
So, if you are looking at re-mortgaging your house and you have some time on your hands why not contact us so we can help!
Your home may be repossessed if you do not keep up your mortgage repayments.
... You may have to pay an early repayment charge to your existing lender if you re-mortgage
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Christmas Holiday.
Please note, I will be finishing work for Chrismas on 24th December 2019.
And I will be returning to work on 6th January 2020.
... I would like to take this opportunity to thank you all for your support over the last year, and wish you all a very Merry Christmas and a Lovely New Year.
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Recently I have had the privilege in helping a lovely couple start their very own Self Build Adventure. They have their own Instagram page if you would like to follow their journey. (Please see link below)
https://www.instagram.com/p/B3Paz4EAz2A/Ō Ć”
If you are interested in your very own Self Build Project, please do not hesitate to contact me to help you start your journey.
... Your home may be repossessed if you do not keep up your mortgage repayments
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So lucky to receive some lovely gifts lately from very generous clients. Thank you, they really brightened up my Monday Ōś║’ĖÅ

Do you have mortgage? Do you have protection in place?
If you donŌĆÖt and you are interested in a policy where you and your family could receive either a lump sum payment or regular income should you become seriously ill, lose your job, or in the event of you death then please contact me on 01733 857785 today and I will be happy to help you find the best protection policy to suit your needs!
As with all insurance policies, conditions and exclusions will apply.

With an ever-growing market of mortgage lenders it can be confusing to know who can offer you the best mortgage deal. Let us do all the hard work for you!
With access to the whole of the market, I can find you the deal that is right for you. Whether you are buying your first house, re mortgaging or looking for a buy to let mortgage we may be able help you.
Call me for a free no obligation quote on 01733 857785 or email me at louise.riley@zestfinancial.co.uk
... Your home may be repossessed if you do not keep up your mortgage repayments.
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Did you know that there are lenders in the marketplace that are able to assist buyers looking for their own residential property who have had some adverse credit in the past?
There options available to you if you have had no more than 3 CCJŌĆÖs and 5 defaults in the last 24 months. , if you are interested to see if I can help you, contact me on 01733 857785 or you can email me at louise.riley@zestfinancial.co.uk
Your home may be repossessed if you do not keep up your mortgage repayments.

With an ever changing market for property investors, see an updated list below of some of the Buy to Let Lenders Minimum Property value: - BM Solutions - ┬Ż50,000 - The Mortgage Works - ┬Ż50,000 (or if HMO ┬Ż100,000) - Aldermore - ┬Ż60,000 (or if HMO ┬Ż75,000) - The Mortgage Lender - ┬Ż50,000 (or if HMO ┬Ż120,000) ... - Kent Reliance - ┬Ż75,000 - Precise - ┬Ż50,000 - Kensington - ┬Ż75,000
Your home may be repossessed if you do not keep up your mortgage repayments.
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Are you due for a protection review? Life insurance, mortgage protection, buildings & contents.
Contact me now on louise.riley@zestfinancial.co.uk for a no obligation quote.
As with all insurance policies, conditions and exclusions will apply

If you are Self Employed, as of 4th October 2019 lenders will request to see your 2018-2019 Tax Calculations and Tax Year Overviews.
This is because the most recent year-end must not be more than 18 months old.
Please make sure you have submitted these so you are able to provide us with the required documents on your next mortgage application and to avoid delays.
... Your home may be repossessed if you do not keep up your mortgage repayments.
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Thinking of buying a house or adding to your portfolio?
Call me for a free no obligation quote to see how much you could borrow. Whatever your situation I would love to see if I can help you. As a fully regulated whole of market mortgage broker you can rest assured that you will receive the best quality advice on the full range of mortgage options from me at all times.
Call me for your free no obligation quote on 01733 857785 or email me at louise.riley@zestfinancial.co.uk
... Your home may be repossessed if you do not keep up your mortgage repayments.
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