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Sarah Ferrell is our local gem as far as mortgage advice is concerned. With over 20 years’ experience in the mortgage market, Sarah deals with all manner of mortgage enquiries. Whether it is for a new house purchase,

a re-mortgage, a buy-to-let enquiry or to discuss releasing equity from your home in retirement, Sarah is happy to discuss any mortgage needs with anyone – regardless of age. She is one of the few advisers fully qualified and licensed to deal with both “traditional” and retirement mortgages and her current clients range in age from 19 – 93! Sarah has commented that whilst many of her clients contact her because they are looking to move house or re-mortgage, there are an increasing number of people contacting her with questions about raising mortgage finance in retirement.

Through no fault of their own, an increasing

number of people are carrying debt into retirement or needing to raise new finance and this can make the “Golden Years” potentially worrying, due to financial pressures.

The good news is that it need not be such a worry, as there are many safe and affordable options specifically for those in retirement. “The choice is greater than ever, which means I can usually find the right solution,” says Sarah.

Whether you need to repay a mortgage, finance some unexpected outlay or just make your retirement more comfortable, there are many options available to you. Retirement Mortgages and Equity Release can provide a safe and very welcome solution for many people who just don’t realise this may be an option to help them.

Sarah says “I see so many people who are worried about their finances at a time in their lives when they really don’t want financial pressure. Being able to take those worries away is tremendously rewarding”

Sarah takes a great deal of time to work out which solution may be best for each individual and says: “My advice for a first-time buyer would be very different than if I were speaking with somebody approaching retirement and I am fortunate enough to be able to offer advice to everybody regardless of what stage of life they are at. If somebody has questions about mortgage finance then I would strongly recommend a conversation as I can then point people in the right direction.”

Sarah is happy to visit your home and, unlike many banks, she is not just available 9-5 but will offer flexible times to suit her clients.

Call Sarah at Professional Mortgage Services

M: 07789007447 T: 01622 631372  MORTGAGES  EQUITY RELEASE  RE-MORTGAGE  BUY-TO-LET  FIRST TIME BUYERS Your home may be repossessed if you do not keep up repayments on your mortgage. CHRISTMAS AT THE SALVATION ARMY

This Christmas please join us for the following services, to celebrate the joy of the season. For tickets (where applicable) or additional information please contact the Community Office on 01622 681808.

Thursday 1st December Christmas Praise at 6.30pm. An evening not to be missed, where our Young People’s Band & Singing Company (Children’s choir) will lead an evening of Christmas Music and readings to celebrate the birth of Jesus. Followed by refreshments.

Tuesday 6th December Carols by Candlelight at 8pm A thought-provoking evening of worship led by our Songster Brigade (choir), reflecting on the birth of Jesus. Refreshments will be provided after this event.

Friday 9th December Community Carol Concert at 7:30pm A celebration of the joy of Christmas with guests: - The Military Wives Choir, Shorncliffe and

- children from South Borough Primary school drama club, StarBurst - plus our own Salvation Army Band.

Tickets will need to be bought for this service as we are raising money to support the local charity M4S (Maidstone Special Needs Support Service), which helps disabled children and young people with special needs, and their families, from Maidstone and the surrounding areas. Tickets will cost £5 (under 15's free) and can be purchased from our Community Office (address below) or by phone on 01622 681808.

Sunday 11th December Gift Service with a Children’s nativity at 10.15am

This lively family service will focus on the gift of Christmas. As part of our worship we invite you to bring new, unwrapped toys to be given out to Maidstone children whose families are struggling financially, as part of The Salvation Army’s Christmas Appeal. Children are invited to come to this service dressed as a Shepherd, Wise Man, Inn keeper, Angel or an animal from the Christmas story.

74-80 UNION STREET MAIDSTONE ME14 1ED Maidstone December 2016 27

Sunday 18th December Family Carol Service at 6pm This family Carol Service will be an opportunity to celebrate the good news of Jesus’ birth and will include a nativity play. The evening will be supported by our own Band and Songsters (choir).

Tuesday 20th December Military Cadets Carol Service at 7:30pm An evening where the young people from the local Military Cadet Corps are invited to celebrate Christmas together with their leaders, parents and members of our Corps Family. Our Young People’s Band will be leading the evening. Refreshments will be served afterwards.

Friday 23rd December Nativity Fun Morning at 10am All Primary school aged children are invited to a Nativity Fun Morning from 10am-12noon.

Booking is essential (01622 681808 or and there will be a charge of £2.50 per child.

Sunday 25th December Christmas Day Praise at 10:15am

A Christmas day celebration suitable for all the family.

Our usual Sunday services are held at 10.15am & 6pm throughout the year and you are guaranteed a warm welcome!

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