We are a leading whole of market mortgage brokerage in Oadby specialising in both residential mortgages, buy-to-let mortgages and protection insurances.
A little bit about what I do
My name is Brian Howitt, and as you look for your new house, I will be with you all the way to guide and inform you about the process of obtaining a mortgage.
My vast array of experience coupled with my CeMap qualified advice will help you feel more relaxed as you search for a property.
My primary aim is to help my customers with all their mortgage-related needs, be that a buy to let or a residential. The advice given will not only inform, but will put your mind at ease as I research and apply for a mortgage specifically tailored to your needs.
A first appointment is completely free and will be used to gain insight into your ambition for your purchase of a new home. A full, robust, accurate and up to date fact find will be recorded if you decided to advance, and from there I will use my wealth of experience to find a deal that will be just right for you.
We offer tailored advice and recommendations to suit your needs and will guide you from the first appointment to securing your mortgage offer.
Stable and Steady
HLP-housing-smlOverall mortgage borrowing across the residential property market remains stable and the trend in households’ cash savings remains steady, that’s the message from UK Finance, the trade body for High Street Banks.
According to UKF, total credit card spending increased in November while borrowing growth remains constant compared with November last year. The increase in spending, which is largely offset by cardholder repayments, reflects the growing use of credit cards as a preferred form of payment, particularly in travel, as consumers take advantage of stronger customer protection and value-added benefits.
The trade body’s analysis revealed that the number of mortgages approved by the main high street banks in November was 10.6 per cent lower than November 2017 led by a reduction in re-mortgages. Approvals for house purchase were 1.2 per cent lower but remortgage approvals were 20.3 per cent lower. Approvals for other secured borrowing were 12.2 per cent lower.
£11.3bn of credit card spending in November was 7.5 per cent higher than November 2017. Over the past twelve months, the outstanding level of credit card borrowing grew by 5.3 per cent. Personal borrowing through loans and overdrafts grew by 2.5 per cent in the year to November.