Your Next Home, Made Easier: A Family’s Success Story with SN Financial
I’m Zoe Blount, a mortgage adviser here at SN Financial. Life’s big moments often bring big financial questions, especially when it involves family growth and a change of scenery! I truly love helping my clients navigate these exciting, sometimes complex, journeys. My goal is always to provide expert mortgage advice, making sure your financial plan works just as hard as you do.
Recently, I had the pleasure of working with a lovely family of four looking to relocate. They approached me with a dilemma many families face: their fixed-rate mortgage was ending soon, but they weren’t quite ready to make their dream relocation to the country. They needed a flexible solution that wouldn’t tie them down, and crucially, they wanted the best whole of market mortgage advice when they were ready to move. Plus, with a growing family, a full protection review was absolutely essential for their peace of mind.
My Tailored Approach
As an independent adviser, I pride myself on looking at the complete picture. I recommended a 2-year tracker mortgage with no early repayment charges (ERCs). This smart move meant they could exit the deal anytime without penalty, potentially saving them thousands – in this case, a massive £6,327.34 compared to their existing lender’s standard variable rate. This flexibility was so important for their upcoming relocation plans.
When they were ready for their dream move, I had the freedom to scour the entire whole of market mortgage advice landscape to find the absolute best rate for their new family home. We weren’t restricted to just one lender, ensuring they got the most competitive deal available. I also helped them build a comprehensive protection package to safeguard their new mortgage liability and ensure financial stability for their growing family, covering everything from life insurance to critical illness, fracture cover and even pregnancy cover.
A Holistic Outcome
Just five months later, the couple found their perfect 4-bedroom detached family home in Cheltenham. Thanks to our proactive mortgage advice, they effortlessly switched to a new lender on a 5-year fixed rate, avoiding those hefty ERCs and securing a much better deal.
What’s even more rewarding is how their positive experience led them to our other independent advisers for pension and investment advice. This allowed us to build a truly comprehensive financial plan for them. The couple are now committed, happy clients, actively referring us to their friends and family – and to me, that’s the ultimate testament to the value we bring.
Considering a move, or just want to ensure your finances are working as hard as they can for you?
If you are in need of specialist advice, we are ready to help you navigate your financial journey with clarity and confidence. Let’s chat!
https://snfinancial.co.uk/mortgages