MORTGAGE AND PROTECTION FAQs

At Gascoigne Halman we understand many people have questions and concerns about mortgages at this time.

Below are frequently asked questions for more information and you can also visit: https://www.gascoignehalman.co.uk/finance.html

Will I still be able to get a mortgage?

Whilst there are some mortgage lenders who are reviewing their processes following the government advice regarding Coronavirus, there are still lenders who are offering mortgage deals that are available via our mortgage consultants. As we are unable to offer face to face mortgage appointments at this time, one of our mortgage team can speak to you over the telephone to discuss your requirements in detail if you need any mortgage and protection advice. In the first instance please contact us using your local branch contact details who will be happy to put you in touch with one of our experienced mortgage consultants who will be able to help you over the phone.

I’ve submitted my mortgage application, but will it still go ahead?

This will vary depending on the lender that your mortgage has been submitted to. Our mortgage services team will use their experience to guide you through any changes to applications already submitted, should this be necessary.

Please contact your mortgage co-ordinator at our Mortgage Business Unit on 01525 244 549 should you have any urgent questions or queries.

What is a mortgage payment holiday?

Following government advice around coronavirus, many mortgage lenders have stated you can apply for a mortgage payment holiday. We suggest that you visit your lender’s website where you will find more information about the way in which they are handling payment holidays for their customers, alternatively if you would like some advice on your mortgage options in relation to coronavirus. In the first instance please contact us using your local branch contact details who will be happy to put you in touch with one of our experienced mortgage consultants who will be able to help you over the phone.

I’m worried about paying my mortgage, how do I apply for a mortgage payment holiday?

Mortgage payment holidays is a deferment of the mortgage payments for three months and not the lender making the mortgage payments for you, so please think carefully prior to applying.

In the first instance please contact us using your local branch contact details who will be happy to put you in touch with one of our experienced mortgage consultants who will be able to help you over the phone and we’ll put you in touch with your lender.  Lenders have created a fast track system to approve applications as soon as possible. Your lender might ask you a few questions to try to understand exactly what financial difficulty you’re in, but don’t worry about this, it’s just to make sure that a mortgage holiday is definitely the right option for you.

I own more than one property. Can I apply for multiple mortgage holidays?

Yes, you can apply for multiple mortgage holidays, especially if your mortgages are with different lenders. If your mortgages are with the same lender, then you may not be able to, please do not hesitate to contact us using your local branch contact details to check.

Are there any other alternatives to mortgage payment holidays?

Taking a mortgage payment holiday is not your only option, most lenders can offer other options for payments such as switching your mortgage to an interest-only mortgage for up to 12 months, switching to a new rate to reduce the mortgage payments or extending their mortgage term.  In the first instance please contact us using your local branch contact details who will be happy to put you in touch with one of our experienced mortgage consultants who will be able to help you over the phone.

I have had a mortgage offer, will it still stand in 3 months?

This will be assessed on a case-by-case basis as different lenders have different offer validity periods. In the first instance please contact us using your local branch contact details who will be happy to put you in touch with one of our experienced mortgage consultants who will be able to help you over the phone.

How do I contact my local Mortgage Consultant if your branch is closed?

In accordance with government guidelines regarding Coronavirus, to protect our colleagues and our customers our branches are now closed, but very much open for business. Our teams continue to work for our customers, so you can still contact us by email or telephone. Should you have any further questions please do not hesitate to contact us using your local branch contact details

I have found out that my mortgage consultant has been put on furlough leave – what does this mean?

We have had to make some decisions in order to protect the business and safeguard our staff for the long term. In light of the Governments business support offering a number of our branch based Mortgage Consultants have been furloughed. The decision to place on furlough is not a reflection of an individual’s skill, ability or their value to Connells Group, but is purely based upon the need to safeguard the business and preserve jobs for the long term.

However, there is a team of experienced mortgage and protection advisers continuing to work remotely within the business, and therefore if your query is advice related, one of our experienced advisers will be in contact to help and support you. In the first instance please contact us using your local branch contact details who will be happy to put you in touch with one of our experienced mortgage consultants who will be able to help you over the phone.

If you have any further questions, or require urgent contact, please contact our Mortgage Business Unit directly on gascoigne.halman@connellsgroup.co.uk or 01525 244529

I need to speak to someone about my remortgage – who do I contact?

In the first instance please contact us using your local branch contact details who will be happy to put you in touch with one of our experienced mortgage consultants who will be able to help you over the phone.

 PROTECTION/INSURANCE

How do I make a claim on my Aviva / Ageas policy I got from you?

Please contact their claims line teams direct as per your policy document.

 

Aviva Claims line (Life, Critical Illness, Income Protection) Changing details, making a claim or ask a question: https://www.aviva.co.uk/help-and-support/contact-us/

 

Manage your existing policy: https://www.direct.aviva.co.uk/MyAccount/login

 

0800 015 1142

Ageas Claims line (Buildings and Contents) 0161 830 1316

 

I’m not sure I’ll be able to pay my monthly insurance/protection premiums, what should I do?

As soon as you realise you’re struggling to afford your protection and / or insurance policy, please get in touch with your policy provider. They’ll be able to discuss what your options are.

 

Aviva (Life, Critical Illness, Income Protection) You can find out information about your policy through your ‘MyAviva’ account https://www.direct.aviva.co.uk/MyAccount/login

 

Alternatively, if you need to get in touch with Aviva, please contact them via their online form: https://www.aviva.co.uk/help-and-support/contact-us/

Ageas (Buildings and Contents) 0161 830 1316

 

For a policy that hasn’t started yet, please contact our Mortgage Business Unit on 01525 244 549

I have an Aviva policy, but their customer service contact centre is closed. What should it do?

You can find out information about your policy through your ‘MyAviva’ account https://www.direct.aviva.co.uk/MyAccount/login

Alternatively, if you need to get in touch with Aviva, please contact them via their online form: https://www.aviva.co.uk/help-and-support/contact-us/

I’ve just taken out new policies with you, will they still start as agreed?

Yes, they will start when your mortgage application exchanges / completes.

If you have any questions regarding your new policy please contact our Mortgage Business Unit (MBU) on 01525 244 549.

 

 

Disclaimer:

This e-mail (and any attachment) is confidential and may also be privileged. It is intended solely for the use of the individual to whom it is addressed. Any views or opinions presented are solely those of the author and do not necessarily represent those of Connells or any of their Subsidiary Companies. Connells accepts no liability for the contents of this e-mail or of any attachment. If you are not the intended recipient, be advised that you have received this e-mail in error and that any use, dissemination, forwarding, disclosure, printing or copying is expressly prohibited. Further, if you are not the intended recipient, you are strictly prohibited from acting or refraining from acting in reliance on this e-mail.

If you have received this mail in error please delete this e-mail and any attachments and notify the Connells IT Department by telephone on 01525 218 200 or email to helpdesk@connellsgroup.co.uk If you would prefer not to receive future mailings please email unsubscribe@connellsgroup.co.uk Please ensure you provide us with ALL email addresses that you would like us to unsubscribe in the event that you have registered with us using more than one address.

The Connells Group describes companies and brands within the Connells Limited group of companies. Connells Limited is registered in England and Wales under company number 3187394.
Registered Office is The Bailey, Skipton, North Yorkshire, BD23 1DN. VAT Registration Number is 500 2481 05.
For activities relating to regulated mortgages and non-investment insurance contracts, Connells Limited is authorised and regulated by the Financial Conduct Authority.
Connells Limited’s Financial Services Register number is 302221

Visit http://www.connells.co.uk/legal-notices for details of who we are regulated by.

Visit https://www.connells.co.uk/contact-us for details of how to make a Mortgage Service Complaint and your right to refer your complaint to the Online Dispute Resolution platform (ODR)

 

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