January 30, 2024
Navigating the world of personal protection can be overwhelming, but it’s an essential part of securing your financial future. At Riviera Mortgages, we understand the importance of having the right protection in place. This blog outlines the key personal protection policies you should consider. Life Insurance Life insurance is a cornerstone of personal protection. It ensures that in the event of your untimely death, your loved ones are not left with a financial burden. This is particularly important if […]
January 10, 2024
Now is a popular time for many to contemplate moving homes. Whether it’s the allure of a fresh start in the new year, the need for more space, or simply the desire for a change of scenery, moving can be an exciting prospect. However, it’s also a process that requires careful thought and planning. In this blog, we’ll explore the essential considerations you should make to ensure your move is as smooth and stress-free as possible. 1. Financial Planning Before […]
November 14, 2023
The UK housing market is experiencing a period of significant change, with fluctuating mortgage rates and evolving economic conditions. Understanding and navigating these shifts is key for both potential homebuyers and current homeowners. In this blog, we’ll explore the current state of the market and offer practical advice to help you make informed decisions. Understanding the Current Market The UK housing market currently faces a unique set of challenges and opportunities. Factors like inflation, changes in supply and demand, and […]
October 30, 2023
For many of us, buying a home is the largest financial commitment we’ll undertake in our lifetimes. Amid such a significant decision, it’s easy to get lost in the overwhelming plethora of information available. Worse still, misinformation can muddy the waters, leading potential homeowners down confusing and costly paths. Today, we’re setting the record straight, debunking some of the most common misconceptions that Torquay residents hold about mortgages. 1. Misconception #1: You Need a 20% Deposit to Buy a Home […]
October 23, 2023
Torquay, often hailed as the jewel of the English Riviera, boasts a picturesque seafront, rich history, and a lively harbour. This vibrant town, coupled with the broader appeal of Devon, makes it a sought-after locale for potential homeowners. If you’re considering selling your property here, making a few strategic enhancements can significantly boost its market value. Here’s how: Maximise First Impressions A well-presented front garden and façade are your home’s introduction. In Torquay, where many properties boast characterful exteriors, ensure […]
September 27, 2023
Navigating the world of home ownership comes with its fair share of decisions, and one of those could be considering a remortgage. Essentially, remortgaging is about swapping your current mortgage for a new deal. This could be with your current lender or a different one, usually with the aim to lower your interest rate or to access some of the money tied up in your home. For homeowners in Torquay, taking the remortgage route could unveil numerous financial perks awaiting […]
September 7, 2023
The Benefits of Using a Mortgage Broker in Torquay When it comes to buying a home, whether you’re a first-time buyer or a seasoned property owner, the landscape of mortgages can be a complex and often bewildering one. Between understanding mortgage rates, navigating application processes, and deciding between fixed or variable rates, it’s a labyrinth of decisions. This is where the benefits of using a mortgage broker, especially a local one in Torquay, become strikingly clear. Access to a Wide […]
August 30, 2023
Business insurance is often one of those topics that many UK business owners think they can push to the backburner—until they can’t. Whether you’re a startup entrepreneur or running an established firm, business insurance is not just a legal necessity but a shield that can protect your venture from a host of financial risks. Here’s why business insurance is so crucial and how it can safeguard the financial health of your company. Understanding the UK Business Landscape According to […]
August 21, 2023
We all like to think we’re invincible, but the truth is, life is unpredictable. What happens if you’re unable to work due to illness or an accident? How would you maintain your current lifestyle and meet financial commitments? In the UK, the answer for many is income protection insurance. In this blog, we’ll delve into why income protection is not just a ‘nice-to-have,’ but rather an essential part of your financial planning. What is Income Protection? Income protection is […]
August 18, 2023
Purchasing a home is undoubtedly one of life’s monumental decisions. Yet, for many prospective homeowners, deciphering the intricate web of mortgages can prove daunting. If you’re a Torquay resident, this guide is curated especially for you, aimed at elucidating the array of mortgage options available. Let’s embark on this journey of understanding, ensuring you’re equipped to make an informed choice tailored to your unique needs. Fixed-rate Mortgages At its core, a fixed-rate mortgage offers you a consistent interest rate for […]