by downtonmortgages | Nov 21, 2023 | Mortgage
The positive impact of overpaying on your mortgage Did you know that many mortgage lenders offer the option to make partial overpayments without incurring penalties up to a certain amount? Whilst most mortgages permit you to overpay on your minimum monthly...
by downtonmortgages | Oct 10, 2023 | General Insurance
Do I need life insurance when I’m young and healthy? As with most things, “it depends”, but the lure of cheaper premiums when you’re healthy and in your 20s or 30s shouldn’t be underestimated. Read on to find out more…. Contact the team at Downton Mortgages &...
by downtonmortgages | Sep 19, 2023 | Mortgage
Is the new Mortgage Charter a help or a hindrance? On 23 June 2023 and following a meeting with the UK’s principal mortgage lenders and the Financial Conduct Authority (FCA), the Chancellor announced a new Mortgage Charter. What is the Mortgage Charter? Many...
by downtonmortgages | Aug 14, 2023 | Mortgage
Variable Rate Mortgages With mortgage rates at their highest in 15 years, we look at why it is important to plan ahead. If you are about to come off a Fixed Rate mortgage and you are moving to a standard variable rate (SVR), you could find yourself paying a lot more...
by downtonmortgages | Jul 11, 2023 | General Insurance
Do I need Critical Illness cover? We never know what’s around the corner when it comes to our health. Have you considered what expenses you would need to cover if you were critically ill and were unable to work? What impact would that have on your standard of living?...
by downtonmortgages | Jun 12, 2023 | General Insurance
Did you know that most insurance policies also come with complimentary health and wellbeing services? In today’s competitive market, insurance providers are offering a range of additional benefits to policyholders. In this blog we look at some examples of the...
by downtonmortgages | May 16, 2023 | Protection
Ease the burden of bills and budgeting with Family Income Benefit Unlike most life insurance policies, Family Income Benefit can give you and your loved ones monthly financial support when you need it most. It’s more than likely that you will have set up a life...
by downtonmortgages | Apr 11, 2023 | Protection
Why renters should consider Income Protection For most tenants, the rental payment is often their biggest monthly outgoing. The number of privately rented UK homes has more than doubled over the last 20 years and now stands at 5 million, according to the 2021 Census...
by downtonmortgages | Mar 15, 2023 | Equity Release
How Equity Release can help you ride the cost of living crisis You can do this by switching to a mortgage where you can draw down regular small sums of money With increased energy bills, slowly recovering fuel prices and rising food costs, the current cost of living...
by downtonmortgages | Feb 15, 2023 | Mortgage
When you review your current mortgage product (either because of changes to circumstances or the end of your current product period. Then there are options to review as to what the next steps should be. When it comes to the end of your current product, or you are on...
