Welcome 2024 😀 Happy New Year from all the team

We hope you’ve all enjoyed the festive period and feeling ready for the year ahead! There have been many positive signals that the housing market is recovering and mortgage lenders are dropping rates. Our team has jointly arranged over £366 million in mortgage loans since we started in 2019, so you’re in good hands with Stratton Thorpe.

A handy reminder of how we can help you in 2024

🏡 Secure a new mortgage - Whether you’re new to the property ladder, moving home, remortgaging, or investing in a buy-to-let - let us make your life easier! We search from a comprehensive range of mortgage lenders, including exclusive products that potentially save you over your mortgage term. Our team looks after the complete process for you, including all application paperwork and admin - for instance, liaising with your lender, solicitors, estate agent, or new home builders.

Plus, you can relax while we keep track of your mortgage. If you're remortgaging or buying a property in the next 6 months, we track your options until completion, ensuring you're still getting the most suitable deal.

⬇️ If lenders drop rates or introduce new products with a more favourable deal, we simply switch you.

⬆️ If rates go up, you're safe in the knowledge you've locked in your options early.

Learn more about our mortgage broker service

❤️ Review your protection needs - Having the proper protection in place is crucial to ensure that you, your loved ones, and your home are safe should the unexpected happen. We offer a free no-obligation initial insurance and protection review to give you total peace of mind at a time when you need it most. We cover all types of protection products and insurance including:

Life Insurance
Specialist protection available e.g. Diabetes Type 1
Children & family protection
Funeral plan cover
Mortgage protection
Critical/Serious illness cover
Redundancy protection
Buildings & contents insurance plus home emergency cover

Explore our protection & insurance options

mortgage NEWS & UPDATES

Leeds BS launches mortgages for borrowers with lower credit scores

Leeds Building Society has launched a range of ‘Reach’ mortgages designed for people whose credit score makes them ineligible for its standard offering.

The products are available for people with smaller deposits and needing 80 to 95 per cent loan-to-value (LTV) options.

There will be two, three and five-year fixed rates available as well as a choice of product fees.

This support around credit score follows Leeds Building Society’s partnership with Experian Boost earlier this year. It was the first building society in the UK to work with the service, and it helps borrowers improve their credit score by including regular payments such as council tax.

It also launched a Home Deposit Saver product which gives a £500 bonus to people getting onto the housing ladder.

SOURCE - MORTGAGE SOLUTIONS

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protection NEWS & UPDATES

Nearly third of workers overestimate statutory sick pay

Around 32 per cent of workers overestimate the value of statutory sick pay, which currently stands at £109.40 a week, according to research.

A report from The Exeter suggests that this equates to around 10m workers miscalculating the amount of government support they would receive if they are ill.

Only 27 per cent of UK workers know the amount of support they would receive and around eight per cent believe they will receive over double the actual amount.

Around 18 per cent do not know if they are entitled to receive employer sick pay at all, and in the private sector, 13 per cent of UK workers are not aware of their sick pay entitlements.

Nearly 19 per cent are not entitled to sick pay at all, and almost half would only receive support for up to three months.