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About Colin Payne

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So far Colin Payne has created 6 blog entries.

Chapelgate Private Finance – The shopper’s choice

2018-09-19T08:10:54+00:00

We were recently mystery shopped by FT Adviser magazine and the results were what will strive daily to obtain, scoring 35/35 and being the 'shopper's choice' when compared to three other brokerages, below is the full article: MYSTERY SHOPPER: WEST LONDON Each week the mystery shopper seeks advice from independent advisers in the UK. The aim [...]

Chapelgate Private Finance – The shopper’s choice2018-09-19T08:10:54+00:00

Mortgages and maternity leave

2018-07-23T10:43:36+00:00

It wasn’t so long ago that my wife was pregnant and the issue of maternity leave and pay was high on the agenda. If you’re in the position where you need to move during a period of maternity leave then a lender’s stance can be dependent on the period left before you return to work i.e. [...]

Mortgages and maternity leave2018-07-23T10:43:36+00:00

There are mortgage options for contract workers

2018-07-23T10:45:12+00:00

Given the demands of current living more and more workers want a more flexible approach to how they work. As a contractor you will be deemed as being self-employed and the vast majority of lenders will require at least two years’ accounts, basing affordability on net profit for a sole trader or remuneration and dividends for [...]

There are mortgage options for contract workers2018-07-23T10:45:12+00:00

Self-employed and looking for a mortgage

2018-07-23T10:32:52+00:00

Another tax year has just passed us by and for the self employed, attention will turn over the coming months to submitting your tax return for 2017/2018. Conversations will take place with accountants with a view to mitigating the tax liability as far as possible, but by being overzealous you may find if you’re looking to [...]

Self-employed and looking for a mortgage2018-07-23T10:32:52+00:00

Why you should check your credit score

2018-07-23T10:46:35+00:00

Switch on the TV or look in the paper and you’ll see one of the largest credit agencies encouraging you to check your credit report. They’ll go as far as providing you with a credit score which is all important when securing any type of finance. It is important to understand that there are things that [...]

Why you should check your credit score2018-07-23T10:46:35+00:00

Remortgage now to lock in lowest rates before they rise

2018-07-23T10:47:54+00:00

If you’re still sitting on your lender’s standard variable rate (SVR) or will shortly be reverting to a SVR there is no time like the present to consider switching or re-mortgaging onto a fixed rate. Make sure you fully understand the terms of the product, specifically the early redemption charges as there are still situations when [...]

Remortgage now to lock in lowest rates before they rise2018-07-23T10:47:54+00:00