Hi! I’m Sam and I’ve recently relocated from Bournemouth to Brighton with my partner and puppy.
Futures Financial has been incredibly successful at helping clients with their biggest financial commitment in Bournemouth and I really wanted to carry that success to Brighton.
I came across Connected Brighton and loved what Lyndsey is doing to connect people and support local. I just knew I had to be part of it! I'll be coming out on more events to explore the city and look forward to meeting more of the members and making new friends.
As well as founding Futures Financial I also love the outdoors (mountain biking especially) and food (who doesn’t!?) so Brighton has been a revelation! I am based by the Open Market and now obsessed with Smorls (have you tried their thunder garlic - it's insane)!
In my work I am really passionate about helping people through the mortgage process, and offer a personal service to make what can be stressful as easy as possible. We put clients first and they work with us because they want to, not because they feel like they have to. We’re always a phone call, email, visit or WhatsApp away and thrive on being on hand from initial contact to getting your keys – it’s so much more than just a mortgage! Along the way, we will introduce you to our partners that can help with conveyancing, property surveys, wills, trusts and utility switching just to name a few. We like to think we can keep as much of the home buying process under one roof.
Buying a home can be one of the most exciting and overwhelming experiences in your life. While finding the perfect home is important, choosing the right mortgage broker can be just as critical. There are many benefits to using one local to you.
Firstly, a local broker will be more accessible. They'll be able to meet with you in person, which can be reassuring if you have any questions or concerns, and at a time convenient to you. They'll also be able to visit the property with you, which can be helpful if you want to make any changes or renovations to the property. Sometimes you just need to ask that quick question but don’t have time sitting on hold, trying to speak with an adviser based in a call centre. That’s where using a local broker can add that personal touch.
A local broker will have local connections. They'll be able to recommend trusted professionals, such as estate agents, solicitors and surveyors to help you through the home buying process. This can save you time and stress, as you won't have to spend time searching for reliable professionals on your own.
In addition to the benefits of using a local mortgage broker, it's important to consider the current state of the UK housing market. Over the past year, the housing market has seen unprecedented growth, with house prices increasing by an average of 8.5% nationwide. While this growth has been driven by factors such as historically low interest rates and government incentives, there are concerns that the market may be overheating.
Over the next 12 months, it's predicted that the housing market will steady. The Bank of England has slowly been raising interest rates and is predicted to continue doing so over the coming months. Whilst initially this did cool the market, enquiries from people wanting to move home have been increasing, which is a good sign that the UK housing market is weathering this storm of increasing rates.
Based in Brighton, Futures Financial has access to over 90 different lenders and over 12,000 different products so are extremely well placed to be able to navigate all of the numerous criteria and affordability constraints from lenders. If you have a mortgage, need a mortgage or just have some questions, Futures Financial can help. Give us a call on 01273 977 827 to sit down, chat through your preferences and get a plan in place.
I am really looking forward to being part of the Connected Brighton crew this year, exploring the city, supporting you with your mortgage needs and making new friends at the events.
Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.