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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 NOW OPEN - TURKISH BBQ RESTAURANT MEZZE OFFER
Any 3 cold Starters £8.95
Any 3 Hot & Cold Starters £9.95
LUNCH SPECIAL £7.95 for 2 courses or anytime
3 courses for £9.95 Except Friday & Saturday Night
Why not try our sharing platter specialities! £27.50 •Adana 1 skewer • Lamb Shish 4 pcs • Pirzola 2 pcs • Tavuk Kanat 6 pcs Tavuk Shish 4 pcs • Lamb Ribs 6 pcs • Served with rice, bulgar rice and salad
SET MENUS
Menu A - £10.95 6 Cold Mezze to share, 6 Hot Mezze to share, 1 dessert
Menu B - £13.95
5 Cold Mezze to share, 2 Hot Mezze to share, 1 main course pp, 1 dessert
Every dish is freshly prepared
Any Cold Mezze £3.45
Any Hot Mezze £3.95
Courses from £7.95
62-63 HIGH STREET, MAIDSTONE, KENT ME14 1SR 01622 675000
www.gemofkentrestaurant.co.uk contact@gemofkentrestaurant.co.uk
Maidstone East January 2015 7 Main
OPENING OFFERS FOR JANUARY
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