Small Business Awards 2020 - We are finalists!

We’ve received some excellent news that we’re absolutely over the moon about and wanted to share with you!

Heartland Mortgage Services have officially been named as finalists for the Peterborough Small Business Awards, in the New Small Business Category!

Since the event was founded in 2016, the Peterborough Small Business Awards have led the way with their local awards programme recognising excellence across the city in Peterborough.

We wanted to take this opportunity to thank everyone who nominated Heartland Mortgage Services - moments like this make us realise how far we have come in a short space of time. We are certainly up against some really tough competition in the New Small Business Category, which makes things even more exciting!

Congratulations to the other finalists and we look forward to celebrating Small Businesses in Peterborough together on 10th October at The Holiday Inn. 🤞🏻

Voting opens for you to vote for the winners on 1st August and we would really appreciate support from all of our amazing customers - more on this soon!

Happy Birthday to Heartland!

January 2020 marks our 1 year of being open for business!

As with any new business making the decision to set up is a scary one but we would like to thank all of our readers and clients for their support in our first year.

Our aim at Heartland is to be our clients all in one home buying solution throughout the home buying and selling process and to be a friendly voice in their corner throughout to make the journey a stress free experience.

With our estate agency backgrounds we really can manage the whole transaction for our clients – including advice on marketing your home in order to sell, what questions to ask your estate agent, arranging viewings, negotiating on offers and of course mortgage and protection advice.

We also use our experience to work with your solicitor or conveyancer throughout the legal process in order to get you moved in your new home or completing on your remortgage as soon as possible.

Once again thank you to our clients and readers for the support in 2019 and here is to helping many more clients on their home buying journey.

Maybe your Christmas Present will be on Rightmove on Boxing Day

As we approach the Christmas period and New Years Resolutions many families make the decision to move house in the new year. You may be surprised to know that according to Rightmove statistics one of their busiest days to launch new properties is Boxing Day as this is one of the busiest days for people looking on Rightmove.

If you are a buyer this could mean that your new home will appear on Rightmove on Boxing Day as many estate agents will be holding off putting new properties online until Boxing Day so that there are more people looking at them.

Also if you are a seller and want to sell in the new year now maybe the time to speak with your estate agent to get your house ready to go onto Rightmove on Boxing Day to get as many buyers eyes on it as possible! 

At Heartland Mortgage Services we use our estate agency experience to be your all in one home buying solution and to be a friendly voice in your corner throughout the home buying and selling process 

We would like to wish all our readers and clients a very Merry Christmas and a Happy New Year!

When was the last time you reviewed your mortgage?

Are you currently a home owner with a mortgage on your property? 

Lots of homeowners neglect refinancing their mortgage deal when their fixed rate period comes to the end of its initial term.

This could mean that they are currently on their mortgage lenders standard variable rate and could mean that they are paying money in unnecessary interest.

Interest rates are still currently at an all-time low which means that mortgage lenders are currently offering some record low fixed mortgage rates. 

By arranging an appointment with Heartland Mortgage Services we are able to look at your current mortgage and see if we are able to save you money by refinancing your mortgage  onto a new product and potentially a new lender. 

We are a friendly face and can discuss your options with you over a cuppa! 

* Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage

Thinking you want to sell your home? Here is where to start!

Thinking you want to sell your home? Here is where to start!

1. Speak to a mortgage broker to get an understanding of your affordability to buy your next home – its important to know you can move and what you can buy before coming onto the market.

2. Get your house for sale! – Lots of people will wait until they find the dream home they have been looking for to spring onto Rightmove before putting their own house up for sale, however usually feel heartbreak as it is sold to someone more proceedable before they know it! Don’t miss out and get yours for sale!

3. Have at least 3 agents value your home – This isn’t just for the value, this is also to see who you trust the most to sell your home and what marketing packages they offer.

4. Ask questions!– Ask the estate agents to see how many houses they have sold in your postcode this year and out of those how many have actually completed. The higher sold to completed percentage this shows the estate agent will look after you and the process.

5. How they will market your home? – do they use professional photography? Rightmove Premium Displays? Will they conduct an open house event?

6. Ensure you have a floorplan on your online advert – majority of buyers won’t click onto your property for more details if it doesn’t have a floorplan!

If you are looking to buy a home and need help and advice on not only the mortgage but also the house buying process please don’t hesitate to contact Heartland Mortgage Services on 07540626386

Looking to buy a home? My top 5 tips to get you started!

So you’re looking to buy a home? Here’s my 5 top rips to get your started…

1. See a mortgage broker to check your affordability – It’s important you know how much you can borrow and buy a property for to make sure you don’t view and fall in love with a home you can’t afford!

2. Access your credit file – such as Experian and give the report to your mortgage advisor – will help them recommend the options available to you

3. Create a viewing plan – At Heartland Mortgage Services we work with our clients to create a viewing strategy to ensure they are viewing a range of houses to make sure the one that they buy is right for them

4. Need to sell? – get your home on the market! A lot of people will be looking at Rightmove daily waiting for their dream home to come onto the market –unfortunately this normally means they miss out as it is sold to someone who is already sold or more proceedable. Get yourself sold and in the strongest position possible for someone to accept your offer – your home will be someone else’s dream home they have been waiting for!

5. Understand the costs – costs to move vary from person to person – at Heartland we offer this as part of the process, so you are in an informed position from day 1!

If you are looking to buy a home and need help and advice on not only the mortgage but also the house buying process please don’t hesitate to contact Heartland Mortgage Services on 07540626386