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lenders are looking for so can point you in the right direction of which lenders criteria best suits your circumstances.
MORTGAGES can be a minefield – particularly today when lenders are tightening up on how much they will lend and to whom. Even if you are a confident form- filler, getting a helping hand from someone who knows the market can be invaluable in saving you both time – and money.
Sarah Ferrell has been a financial adviser for more than 20 years having worked both as a broker and for High Street Lenders at branch and regional level. As a completely independent adviser, she knows exactly what
Based in Bearsted, Sarah will happily visit you at home and guide you step by step through the process, whether you are a first- time buyer, looking to re-mortgage or buy to let - or maybe obtain a lifetime mortgage (equity release). Although the word ‘mortgage’ is synonymous with house-buying, it can be a lifeline for some – and a means to a variety of ends. Some people re-mortgage to consolidate their finances and pay off credit card debts, others to pay for an extension to their home or a new kitchen.
Contrary to popular belief, you are never too old to get a mortgage and increasing numbers of people are looking at lifetime mortgages to ensure they have a comfortable retirement.
Equity release no longer holds the stigma – and risk – it once did. As Sarah explained: “When
Sixtyplus is directly authorised by the Financial Conduct Authority. A fee of £249 for mortgages and £995 for Equity Release is payable on full application only. Your house may be repossessed if you do not keep up payments on your mortgage. To fully understand the features and risks of equity release a personalised illustration will be provided.
people are working out their retirement plans, equity release can be an option that people have not considered or just don’t know about. With protection from the Equity Release Council, Equity Release can provide a safe and sensible option for many people.” Sarah takes great pride in her work and is willing to go the extra mile for all of her clients. Being home-based means she can even work evenings and weekends when
Mortgages for First Time Buyers, re- mortgages, capital raising and house purchases
Mortgages for buy-to- let and second homes
Will writing M: 07789007447
downsmail.co.uk Sarah Ferrell – Your Financial Problem Solver!
necessary to achieve a result. She is also able to advise on wills and life insurance – basically, being your very own personal financial problem solver!
Sarah said: “Whether you are 18 or 81 (or older!) you don’t need to worry about your finances. If you are a homeowner, or potential homeowner, I will explain things clearly and simply to make sure you get the best deal which is right for you.”
Sarah is able to help and advise in relation to:
Equity release for retired home owners needing to release a cash sum
Life insurance, Critical Illness cover and all general insurances
To arrange your FREE consultation call Sarah on:
T: 01622 631372 E:
sarah.ferrell@btopenworld.com How to stay safe on the roads this winter
Driving at night can be a hazardous experience for us all. Being dazzled by oncoming headlights and having to guess where the side of the road is can be very dangerous. During the day the low sun causes over 3000 accidents a year. Award winning Optometrist Alisdair Buchanan offers his advice for safer winter driving.
5 Simple steps to improve your vision when driving this winter
1. If you wear glasses, invest in Thankfully new advanced lens coatings can help. They don’t just reduce coating is available on all lenses and can be worn day or night.
2. Keep your glasses and windscreen windscreens and lenses can greatly
reduce the contrast of what you see. Using a specialist spectacle lens cleaner like Solution 30 makes a tremendous difference to the clarity of your spectacle lenses.
3. Get your prescription up to date - Having the clearest vision possible will enable you to pick out the edge of the road and other hazards much more often a sign that your prescription could be improved.
4. new varifocal lenses, designed with driving in mind. New patented lens technology from Hoya increases clarity, enables better depth perception making driving safer and less straining. These advanced varifocals help to reduce symptoms such as tired, burning eyes
and headaches which can occur after driving at night.
5. In the event of sun or snow protect yourself from glare - Low sun and glare from wet roads causes thousands of accidents every year. Wearing contrast enhancing, polarized sunglasses can eliminate this risk completely. Available in varifocals, single vision prescriptions or non-prescription lenses these can be worn all year round to make you safer on the road.
Stay safe this winter and keep your vision at its best Book your appointment today Call Now - 01622 535110 56 Malling Road, Snodland, Kent ME6 5NB
Maidstone East December 2014 11
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