Hello and welcome to our latest newsletter, designed to keep you up-to-date and confident as you navigate the property market. At Pims, we know that securing a mortgage can often feel like tackling a tricky puzzle. That's why we’re dedicated to making the process straightforward, ensuring you feel supported at every turn.
In today's ever-changing market, finding the right mortgage deal can be daunting. With countless options and intricate terms, it's easy to feel overwhelmed. That's where we come in. At Pims, we take all the hassle away by finding you the most suitable deal for your situation and guiding you every step of the way. Whether you're a first-time buyer, looking to remortgage, or a seasoned property investor, our expertise and personalised approach are here to serve you.
We believe in building strong relationships, based on trust and clarity. Our aim is to demystify the mortgage process, providing clear, concise advice tailored to your individual needs. In this newsletter, we'll be sharing valuable insights, market updates, and practical tips to help you make informed decisions. We're here to ensure your mortgage experience is smooth, stress-free, and ultimately successful. Let Pims be your guide to opening the door to your dream home.
In the financial year 2023-2024, 20,634 new shared ownership properties were delivered to the marketplace. With the The UK Government’s upcoming Autumn Budget is creating a lot of noise around tax and potential changes that could affect homeowners. Headlines may feel unsettling, but one thing remains clear: your mortgage is one of your biggest financial commitments – and making sure it still works for you is more important than ever. There are so many things that you might be able to do, for example, a Green Mortgage (please see our article).
Now is a great time to speak with us, whether it is reviewing your current deal, checking affordability, or exploring options if your circumstances have changed. We can give you clarity and confidence when the wider picture looks uncertain. Don’t wait until the budget has come and gone; get in touch with us and take control of your mortgage planning.
The last couple of years have seen huge advancements in technology, and this shows little sign of slowing down. Although we all knThinking of making your home more energy efficient? A green mortgage could reward you for it.
Green mortgages are offered by some lenders to homeowners or buyers with energy-efficient properties — typically those with an Energy Performance Certificate (EPC) rating of A or B. In return, you might get:
Some lenders also offer green remortgage options if you’ve improved your home’s energy rating — for example, by adding insulation, upgrading windows, or installing solar panels. If you are a landlord then you will need to consider the new rules for your rental properties that requires a minimum EPC of C by 2030.
Why do they do this? Because energy-efficient homes are cheaper to run and more sustainable long-term, and potentially more saleable, which lowers financial risk for lenders.
While not every lender offers green mortgages yet, the market is growing — and the savings could add up, both on your mortgage and your energy bills.
Not sure if your property qualifies or how to boost your EPC rating? Get in touch and we can look at all the options
With our National Health Service in turmoil and an ever increasing aging population making more demands on it, there has never been a more important time to review your health cover.
Both critical illness cover and income protection are designed to support you if your health takes a hit — but they work in very different ways.
Critical illness cover pays out a one-off lump sum if you’re diagnosed with a serious condition like cancer, heart attack, or stroke (as defined in the policy). This money can help with treatment costs, mortgage repayments, or adapting your home if needed.
Income protection, on the other hand, provides a regular monthly income if you’re too unwell to work — for any medical reason, not just a listed condition. It continues until you recover, retire, or the policy ends (whichever comes first).
Think of it like this:
Ideally, they can work together — giving you both immediate support and longer-term financial stability.
Not sure which one suits you best? Let’s look at what would give you the most peace of mind.
