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A new home or fresh start in 2014

THE outlook for the UK economy in 2014 is very positive and many people are making plans to move home for the first time since the credit crunch.

The Bank of England base rate hasn’t increased above 0.5% since March 2009 but the indications are it will and possibly within the next year. Many borrowers have a variable rate mortgage and now may be the best time to secure a competitive fixed rate if you don’t want your payments to increase.

The housing market is buoyant, homes are selling fast and

consequently prices are rising. The result is that many people are disappointed because they cannot borrow the amount required or are not in a position to increase their offer due to lending restrictions. So what should you do to ensure you are in the best position?

Seek advice from an IFA before you start looking for a

property as it is important to manage your expectations from the outset. Find out the maximum you can borrow not just from your own bank, but across the whole market. The results can be very different so don’t be misled into thinking that your bank will offer you the best deal.

Buying your home is much more than just buying a property.

At Invicta IFA we will help take the hassle out of the financial side – looking at what’s available to find the best solution, taking into account your current financial situation and how you expect that to change in the future. You will always be able to speak to someone personally. This is a serious business and there is a lot at stake so don’t accept second best.

We have a wealth of experience working with lenders for over 17 years and have extensive knowledge of their lending criteria and credit scoring process. If you have an enquiry that is slightly out of the ordinary such as a non-standard property construction, previous financial difficulties or you are nearing retirement, we know who to approach on your behalf.

You may have other requirements such as letting your

existing property, bridging finance or remortgaging to build an extension. We can help with these too. We also have access to exclusive rates and products that cannot always be obtained on the high street.

Let us take all the stress away – we do the hard bit. We obtain the agreement in principle, complete all the paperwork, update solicitors and estate agent and reassure you so that you can continue with your busy life. What more could you ask for?

Laura Damper & Laura Atkins of Invicta IFA A little planning now could give you peace of mind forever.

Invicta Independent Financial Advisers can help with all your financial planning enquiries. We are a local business offering a friendly but professional service to individuals and small businesses. Our specialist areas include:-

Mortgages | Income Protection | Life Assurance | Business Assurance | Pensions & Retirement Planning Annuities | Savings & Investments | Trusts & Inheritance Tax Planning | Equity Release

Invicta IFA

1st Floor, Falcon Court 73 College Road, Maidstone Kent, ME15 6TF

Tel 01622 662636 Email Website

"Invicta IFA made the house purchasing process much easier and a lot less stressful than I imagined. They were very supportive and always made me feel they were acting in my best interests. I would recommend them to anybody in the process of purchasing a new home."

There may be a fee for mortgage advice, the precise amount of the fee will depend upon your circumstance but we estimate it may be £500. Your home make be repossessed if you do not keep up repayments on your mortgage. Registered Office: The Granary, Hermitage Court, Hermitage Lane, Maidstone, Kent, ME16 9NT. Registered in England No. 3330755. Invicta IFA Limited is authorised and regulated by the Financial Conduct Authority.

Maidstone Town April 2014 11

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