When the time comes to remortgage, you could decide to go down one of a few different routes. You might prefer to remain with your current lender and choose a different product, or you might change lender altogether. But there are other subtleties you should know about before taking any sort of decision. In this episode, Stephanie and John cover the facts about remortgaging, and explain why you will want to carefully weigh up your options to avoid ending up on the very volatile and expensive standard variable rate by default.

For more information about Calluna Financial Services, check out our website - https://www.callunafinancial.co.uk/

The best time to get on the property ladder for you might well be now. Don't listen to the scary stories you see online about the evolution of the property market. It might be that, talking with a mortgage broker, you end up striking the right mortgage deal to fulfill your property ownership project. In this episode, Stephanie and John cover 4 tips aimed at first-time buyers to help them better understand what it takes to start a successful mortgage application, how to best prepare for it and what to expect. From getting your finances in order to checking your credit score, saving for your deposit and factoring in additional costs, the Calluna Financial team has the answer to your questions. If there are still grey areas after listening to this episode, give us a call, and we'd be delighted to answer any of your remaining questions.

For more information about Calluna Financial Services, check out our website - https://www.callunafinancial.co.uk/

What documents do you need for your mortage application? When do you need them? Why do you need them?

From what counts as official ID to how to prove your available income and why lenders might ask you to explain certain transactions on your bank statements, Steph and Stacey give you their top tips for getting your application processed as quickly and easily as possible.

For more information about Calluna Financial Services, check out our website - https://www.callunafinancial.co.uk/

In this, our second episode, we talk about what to do as you prepare to apply for a mortgage. We talk about what to do, what not to do and what to expect. You'll find out what kind of information a good broker will need from you and we talk about things you should avoid doing in the lead up to your application process starting. For more information about Calluna Financial Services, check out our website - https://www.callunafinancial.co.uk/

In this pilot episode, we outline how we'll demystify financial services so you can make informed choices about all the big financial decisions you'll make in your life.

We'll cover buying a house, managing and getting more for your money and later on we'll start to look at pensions and wealth management.

Importantly, we'll keep it jargon-free so that every episode helps you take another step towards living the life you want to live. If you're confused about financial services or you're about to take out your first mortgage but don't know where to start, Finance For Life is for you. For more information about Calluna Financial, check out our website - https://www.callunafinancial.co.uk/