30 Pets & Family Life
11TH SEPTEMBER 2023 FAMILY VALUES DISTRIBUTED WITH
Spread the cost of your vehicle with aff ordable monthly payments
Make owning your dream vehicle a reality with Close Brothers Motor Finance
confi dence that they can have a reliable, aff ordable and more convenient solution with fi xed monthly payments that don’t change even if interest rates go up. With vehicle fi nance,
instead of
paying the full amount upfront, you pay a deposit and a series of fi xed monthly payments. CBMF has several motor fi nance solutions to choose from, and will work with you to agree a deposit, agreement length, and any fi nal payments, so your fi nance solution is tailored to suit your budget (subject to assessment). By taking out a vehicle fi nance
Buying a vehicle can be one of the biggest purchases a person can make. Buying it during a cost- of-living crisis could saddle your
family or business with a heavy burden. With 30 years of experience in vehicle fi nancing, Close Brothers Motor Finance (CBMF) gives buyers
agreement, you’re taking the loan out on the vehicle. T is means you have an interest in the vehicle and so does the fi nance provider. You won’t own the vehicle until all payments have been made, but if there’s any challenges over the course of the agreement, complaints or issues, or if something happens with the road- worthiness of the vehicle, or if your fi nancial situation changes, CBMF will work with you to fi nd a solution
subject to certain conditions. CBMF has partnered with more
than 8,000 motor dealers and brokers, providing fi nance to over 100,000 customers every year. CBMF works with you to make your vehicle fi nance application as straightfor- ward as possible. Once you’ve found your dream vehicle, the dealer or broker will show you all the diff erent
Finance available to UK residents of 18 or over and is subject to status. Indemnities may be required. You will not own the vehicle until all payments are made. Terms and conditions apply. Finance provided by Close Brothers Motor Finance. Close Brothers Motor Finance is a trading style of Close Brothers Limited (‘CBL’), a subsidiary of Close Brothers Group plc. CBL is registered in England and Wales with company number 195626 and registered offi ce 10 Crown Place, London, EC2A 4FT. CBL is authorised by the Prudential Regulation Authority and regulated by the Finance Conduct Authority and Prudential Regulation Authority. Firm Reference number 124750.
fi nancial options available. T ey’ll be able to walk you through the process, your options and make sure you understand exactly what you’re committing to. CBMF is a human-fronted busi-
ness supported by technology. A lot of fi nance companies may off er a yes or no decision in seconds. Unlike others, CBMF are able to shape a deal by seeing the individual behind a fi nance application. T is could mean, for example, changing the level of deposit or the length of the loan term. CBMF works with their dealer partners on a human element to make sure the proposal works in the interest of the customer.
To fi nd out more, speak to your
dealer or broker about vehicle fi nance
closemotorfi
nance.co.uk
Property in 2023 — boom or bust
Many people want to leave a legacy for their children, giving them a leg-up in life, just like their parents may have done for them in the past. Buy-to-let property is a popular vehicle for achieving this as it’s tangible, illiquid and increases in value with infl ation. Some people follow the notion
‘buy low and sell high’ to maximise returns, but when is the right time to buy? With media outlets streaming news on increasing interest rates
and market vulnerability, you could be forgiven for thinking that buy-to-let is dead and that the best place for your funds is under your mattress, but this is simply not true. With infl ation now falling for the
fi fth month in a row, interest rates should eventually follow, potentially reducing mortgages. What’s more, housing is a basic
necessity and average rents are up by over 10% just in the last year. With fewer people
currently investing in properties, rents may increase
further as demand potentially outstrips supply. T e current mix of high infl ation,
interest rates and market volatility has created a short-term window of opportunity for those in the know to possibly capitalise by purchasing discounted properties. But today’s buyers’ market may
not be around for long. With
the future looking less
uncertain every month, more people may start to invest and the price discounts could disappear.
Buy-to-let is far from dead, but the
time to act could be now. If you want to take advantage of
this opportunity, Lifestyle Property People can help. T e company’s Portfolio Building
Programme provides an end-to-end service, helping people invest in buy-to-let properties located in the north of England. What’s more, you can do it from the comfort of your own home. To participate in the programme, you need £65,000 to get started.
Contact Information:
W:
lifestylepropertypeople.co.uk WhatsApp: 07960 012032
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