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Always Open to Enquiries 🥰 Choose Us For…. New Build Mortgages Buy to Let Mortgages Equity Release Mortgages The Scottish Shared Equity Scheme Commercial  Mortgage Self-Build & Renovation Finance Life Insurance Income Protection Insurance Building & Contents Insurance Secured & Unsecured Loans Refinancing Facilities Expert Independent Advice Dedicated, Professional Service www.borderms.co.uk

One of our Top Lenders is saying They Want to Lend More! We’ve raised our LTI cap by up to 33%, giving even more of your clients the chance to benefit from the certainty and flexibility of an April mortgage. We've been listening carefully to broker feedback to develop products that meet your and your clients' needs. We’ll now lend up to 6x sole and joint income to first time buyers, home movers and like-for-like remortgages meaning that even more borrowers choosing peace of mind can benefit from increased loan amounts. With April, you can offer your clients more competitive and attractive mortgage options tailored to this high house-price-to-income environment all with the certainty of an April mortgage. There’s also more opportunities for first-time buyers and enhanced flexibility with increased capital raising options, now allowing further borrowing for gifting as well as home improvements. April provides certainty and flexibility with: - Fixed rates from 5 to 15 years - No E

  UK inflation rises for the first time this year Does this reduce the likelihood of a second base rate cut next month? By  Rommel Lontayao 14 Aug 2024 Share Annual inflation in the UK increased to 2.2% in July 2024, up from 2% in June, according to data released by the Office for National Statistics (ONS) on Wednesday. The Consumer Price Index (CPI) fell by 0.2% on a monthly basis in July, compared with a decline of 0.4% during the same month last year. The ONS reported that the largest upward pressure on the annual inflation rate came from housing and household services, where gas and electricity prices dropped by less than they did in 2023. In contrast, the biggest downward contribution was from the restaurant and hotel sector, where hotel prices fell this year after rising in the previous year.

The LIFT Open Market Shared Equity (OMSE) scheme. Following on from the success of the previous Scottish government LIFT Scheme, the new 2024 LIFT Open Market Shared Equity (OMSE) scheme has been set up once more to help buyers purchase a home by providing funding up to 40% of the property valuation or purchase price (whichever is the lower). Get a Mortgage in Principle today with Border Mortgage Services and we will help you apply for the LIFT scheme. You need a mortgage in principle to be considered for the OMSE. There are 14 Lenders that offer mortgages for the OMSE Scheme, and they are all on panel with strong relationships. Who is eligible for OMSE? First Time Buyers Armed Forces, Veterans and Widows of Armed Forces With disability and in need of housing Renters from Council or Social Housing 60+ Years Old We will do all the work for you, all you need to do is find a property!

Young adults need life insurance too   A recent report has found that most young adults in the UK do not have life insurance 1 , even though it is one of the most important financial products that you could have.    Cost-of-living crisis Over half (51%) of adults aged 18-40 admitted they do not have life cover, with many concerned about affordability due to the higher cost of living. But it is more important than ever to make sure that your loved ones have a financial safety blanket, so they do not have to fend for themselves if you are no longer around.    The cost of losing someone It is estimated that the death of a breadwinner costs their surviving family an average of £195,000 over ten years. However, this only covers the cost of essentials – the likelihood is that it will cost the bereaved, surviving partner more.    Even if you are not the main breadwinner, life insurance is still relevant to you – any caring responsibilities you have would fall to someone else, which could then

One of our Top Lenders is saying….. ALL THE HELP YOU NEED WITH COMMERCIAL FINANCE Our team has years of experience in commercial mortgages. We pride ourselves on our personalised service to ensure that your clients get the mortgage they need, whatever the business purpose. We specialise in the following: Interest only and repayment mortgages Purchases and refinance Full commercial, semi commercial and buy to let portfolios Owner occupied Land Short term leasehold Longer term loans Portfolio remodelling and acquisitions Purchase against bricks and mortar or goodwill value. www.borderms.co.uk

SICK PAY📍Hardly anyone has it anymore... Next time you are in work, find out if you have sick pay as part of your package, you may be surprised by the answer. Sick pay isn't as common as it used to be. So if you are off sick for a period of time, how would you pay your bills? That's when INCOME PROTECTION comes in.... Income Protection is an insurance that protects your income, you can receive monthly payments based on your income for medical conditions that stop you working for a period of time.

Bank of England makes interest rate decision. It was described as a decision that was on a “knife-edge” – but the Bank of England has, moments ago, revealed its base rate decision for its latest cycle. The central bank announced a rate cut from 5.25% to 5.00% - a 0.25% decrease.

  Attantion First Time Buyers! We offer a free advisory service and search over 90 mortgage lenders to get you the best deal. We can also offer you a No Deposit Needed Mortgage so you can keep your pennies in your pocket! Let us help you in securing your first home!! info@borderms.co.uk