Taking care of your money and mental health

A home loan is likely to be your biggest monthly outgoing and overall financial commitment, so having the right home loan and protection in place is essential.

Our brokers are fully qualified to carry out affordability tests to make sure you can afford to make your repayments over the course of the term. Once we’ve found you a home loan that’s right for your circumstances, we can discuss your needs and advise on which protection policy we think is right for you too, whether that’s income protection, critical illness cover, buildings and contents insurance etc.

Even if you’ve already taken out your home loan and you’re worried there’s a chance you might not be able to afford your repayments, you can get in touch with your lender. They’ll be able to come to a new arrangement for you. For example, you might decide to extend the term of your home loan in order to reduce your monthly repayments.

Seeking help

There are various different reasons why you might be struggling with your finances right now. For instance, you might have lost your job, have a negative spending habit, or perhaps you’re ill and can’t work. Whatever the reason, having money worries can be a cause of constant anxiety, so it’s important to reach out and get help from professionals.

neon sign that says "breathe" nestled in a wall of leaves

Being mindful

Now more than ever before, it’s vital that you look after your mental health. There are plenty of things you can do to try and help calm your mind when it’s all getting a bit too much.

Mindfulness apps are a great place to start and there are plenty of free ones to choose from. Even if you take ten minutes out of your day to plug your headphones in and zone out for a bit, you might just find this helps keep your head clear.

There are other things you can do to try and recoup a bit of “me time” in your day. Lunchtime walks, yoga, reading, running a hot bath and lighting a candle are all great ways to unwind and recharge your batteries.

Professional home loan advice

If you'd like to speak to a professional about getting help with your home loan repayments, please feel free to contact our friendly team today and we can find an appointment at a time and place that suits you.

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How to beat first time buyer anxiety

There’s no denying that the house-buying process can be an emotional one - sometimes with many twists and turns. So it’s no surprise that many first time buyers say buying a home is stressful.

Common fears and concerns of first time buyers

Buying your first home is a big deal, so it’s completely normal to have a few worries and concerns about the whole process. Understanding LTV, saving for the deposit, and the risk of losing the deposit if the sale falls through are all reasonable worries to have, so we’re going to address each one and hopefully put your mind at ease.