Tony Flynn - Podcast Details

Shows

The Silicon Valley PodcastEp 237 The Future of Retirement Savings: Innovation and Risk Management with Dario Fusato and Tony DerossiGuest Speakers: Dario Fusato: CEO of Savvly Tony Derossi: Co-founder of Savvly About the Guests: Dario Fusato is the CEO of Savvly, a platform revolutionizing personal pensions and long-term financial security with market-driven solutions. He has extensive experience in building fintech solutions aimed at removing financial uncertainty. Tony Derossi is the co-founder of Savvly, an online platform designed to optimize retirement savings through innovative risk-sharing algorithms. With a background in insurance, technology, and strategic consulting, Tony brings a wealth of knowledge to the fintech and retirement planning industries. Episode Overview: ...2024-08-2338 min

Scottish Mortgage PodcastFirst Time Buyer Tips In ScotlandHey there, fellow future homeowners! 👋 Tony Flynn here, and I'm thrilled to be sharing some incredible tips with all you first-time buyers out there. Today, we're going to delve into the exciting world of home buying and discuss some key strategies to help you plan and get ahead of the game. So, if you're eager to kickstart your journey and learn five essential things you can do right away, you're in the right place!Let's start with a critical aspect: your deposit. 💰 Now, I want to emphasize that saving up for a deposit isn't just about stashing away m...2023-07-0506 min

Mortgage MavericksDaily Email Marketing as a Mortgage Broker - Tony FlynnDaily Email Marketing as a Mortgage Broker - Tony Flynn------------------------⚫️ MORTGAGE MARKETING BLUEPRINT (FREE) 🟡 Do you feel like you are winging it with your marketing and business process???The Mortgage Marketing blueprint has been created to give you a step-by-step process that maximizes your chance of lead generation, client referrals and brand awareness, as well as reduces the amount of time spent with each client. Learn more here: https://ashborland.teachable.com/...2023-04-2630 min

Scottish Mortgage PodcastThe Key to Home Buying Success for First-Time Buyers in ScotlandThe process of buying your first home can be both exciting and daunting, particularly in a competitive market like Scotland. However, there's one secret weapon that can unlock the door to your dream home: obtaining a Mortgage in Principle (MIP) early in the process. In this blog post, we'll explore the benefits of securing a MIP as a first-time buyer in Scotland and guide you through the steps involved.Understanding Mortgage in Principle (MIP)A MIP is a preliminary agreement from a lender, indicating their willingness to lend based on your financial situation. It serves as a...2023-04-2310 min

I Know You Hear Me! With Flynn HendrixTony Snow vs Josh Martin @ Texoma ProThe worlds of Anime & Pro Wrestling are on a collision course! Flynn's right in the middle talking to wrestling heel, Tony Snow, & voice actor, Josh Martin, most known as the voice of Majin Buu from the Dragon Ball franchise. They're discussing their issues that are coming to a head tonight at Texoma Pro in Sherman, TX. Check the links below, get those tickets & be there to see how it plays out! I KNOW YOU HEAR ME!Flynnlinktr.ee/theflynnhendrixTonytwitter.com/realtonysnowTexoma Pro 2023-04-2155 min

Scottish Mortgage PodcastHow to Make an Offer on a House in Scotland with ConditionsBuying a house is a big decision, and it's important to make sure you do everything right. If you're a first-time buyer in Scotland, you may be wondering how to make an offer on a house with conditions.In this blog post, we'll explain the process of making an offer on a house in Scotland with conditions. We'll also provide some tips to help you get the best possible deal on your new home.What are conditions?Conditions are clauses that are attached to an offer on a house. They...2023-04-2005 min

Scottish Mortgage PodcastHow to Negotiate the Price of a Property in ScotlandAre you looking to buy a property in Scotland? If so, you'll need to know how to negotiate the price. In this video, I'll show you how to do just that. I'll share tips on how to research the market, find the right property, and make a competitive offer. I'll also discuss the importance of working with a mortgage broker in Scotland.If you're ready to start your home buying journey, listen here. Please like share and subscribe if you find our information useful 2023-04-1909 min

Scottish Mortgage PodcastNavigating the Mortgage Landscape for Sports Professionals in ScotlandAs a sports professional in Scotland, obtaining a mortgage can come with unique challenges. In this post, I'll discuss the key issues you may face and how a mortgage broker familiar with the Scottish market can help you overcome them. 🤝1️⃣ Career Length: Depending on the industry and the type of sport, your career could span 10 to 15 years or more. Scottish lenders take this into consideration when assessing your mortgage application. When planning your mortgage, it's essential to think about your future post-career. Mortgage brokers can help you devise a plan and communicate it effectively to lenders. 📆2️⃣ In...2023-04-1805 min

Scottish Mortgage PodcastLifetime ISA for First-Time Home Buyers in Scotland: What You Need to KnowAre you a first-time homebuyer in Scotland looking to buy your first property? If so, you may be interested in the Lifetime ISA (LISA) as a tool to help you save for your deposit. In this article, we will explore some of the eligibility criteria and benefits of the LISA, as well as some important considerations for using it when buying your first home in Scotland.Eligibility Criteria:The LISA is available to individuals aged between 18 and 39 who are UK residents or members of the armed forces serving overseas or their spouse. You can open one...2023-04-1704 min

Scottish Mortgage PodcastWhy First Time Buyers in Scotland Are Being Declined for MortgagesIn this video, I'll explain why first time buyers in Scotland are being declined for mortgages, even if they have good credit. I'll go into detail about some of the reasons why this might happen, and what you can do to improve your chances of getting approved for a mortgage.Here are some of the reasons why first time buyers in Scotland are being declined for mortgages:Minimum loan size: Some lenders have a minimum loan size, which means they won't offer a mortgage to borrowers who are looking to buy a property that costs less...2023-04-1305 min

Scottish Mortgage Podcast5 Key Tips to Improve Credit for First Time Buyers in ScotlandBuying a home is a big dream for many people, but it can be a daunting task, especially if you're a first time buyer. One of the biggest challenges you'll face is getting approved for a mortgage. In order to do that, you'll need to have good credit.If you're not sure what your credit score is or how to improve it, don't worry - you're not alone. In this video, I'll share 5 key tips to improve your credit score and increase your chances of getting approved for a mortgage.Tip 1: Pay your bills on...2023-04-1206 min

Scottish Mortgage PodcastDebt to Income Ratio: What You Need to KnowYour debt-to-income ratio (DTI) is a measure of how much debt you have compared to your income. Lenders use your DTI to assess your ability to repay a loan. In general, a DTI of 36% or less is considered good for a mortgage application in the UK. However, some lenders may be willing to approve borrowers with higher DTIs, depending on their other financial circumstances.To calculate your DTI, divide your total monthly debt payments by your gross monthly income. Your gross monthly income is your income before taxes and other deductions.For example, if your...2023-04-1104 min

Scottish Mortgage PodcastTypes of surveys I see regularlyWhat are the different types of property surveys?There are three main types of property surveys:Home Reports: A Home Report is a standardized survey that is provided by all sellers of residential property in Scotland. It includes information on the property's condition, value, and energy efficiency.Condition Reports: A Condition Report is a more detailed survey that is carried out by a qualified surveyor. It includes information on the property's structure, roof, walls, and foundations.Building Surveys: A Building Survey is the most comprehensive type of survey. It includes all of the information...2023-04-0706 min

Scottish Mortgage PodcastUnderstanding the role of a Solicitor when buying your first home in Scotland.Description:Are you a first time buyer in Scotland planning to buy a home? If so, you've come to the right place. In this podcast, we'll provide a comprehensive overview of the Scottish home buying process and explain why it's essential to have a solicitor on your side. We'll discuss the solicitor's role in drafting and reviewing legal documents, negotiating terms, and providing guidance throughout the process. We'll also cover how to find a solicitor in Scotland and what to expect when working with one. Additionally, we'll discuss common issues that can arise during the home buying...2023-04-0608 min

Scottish Mortgage PodcastFirst Time Buyer in Scotland - Understand the home report When you buy a house in Scotland, you will often get a copy of the seller's home report. If it is a private sale, it may not be there, but if you're buying in new open market, a home report is where it tells you what the value of the property is, and it gives any, some detail on the general condition and the overview of the property.There are some exceptions, so if you're buying a new build you don't generally get the. So if you buy a new build property, there's no home report there, and...2023-04-0504 min

Scottish Mortgage PodcastHow long does it take to buy a property in Scotland?As a mortgage broker based in Scotland, one of the most common questions I receive from clients is how long the home buying process takes. While the answer varies depending on individual circumstances, in this video, I'll be covering the key steps involved in buying a house in Scotland and the typical timescales involved to give you a general idea of what to expect.Firstly, the home buying process often begins with getting your deposit sorted out. Once that's in place, you can start the process of applying for a mortgage, which can take anywhere from 4-8...2023-04-0409 min

Scottish Mortgage PodcastWhat kind of mortgage options are available to first-time buyers in Scotland?As a first-time buyer in Scotland, it can be overwhelming to navigate the different mortgage options available. As a buyer with so many choices out there, it's important to understand the key differences between them and what might be the best fit for your circumstances. In this blog post, we'll provide an overview of the various mortgage options available to a first-time buyer in Scotland.Fixed-rate mortgages: This type of mortgage is the most popular among first-time buyers in Scotland. With a fixed-rate mortgage, you'll have a guaranteed interest rate for a set period of time, usually...2023-03-3010 min

Scottish Mortgage PodcastCan I get a mortgage as a first-time buyer in Scotland?As a first-time buyer, the process of getting a mortgage can seem daunting and complex. However, it doesn't have to be that way. In Scotland, there are various types of mortgages available, and each one has its own set of eligibility criteria and terms.One of the key factors that lenders consider when assessing your eligibility for a mortgage is your credit score. Your credit score reflects your financial history and your ability to manage your finances responsibly. If you have a good credit score, you may be able to secure a better mortgage deal with lower...2023-03-2908 min

Leaders Lead with Tony TaylorExecution with Anthony Flynn & Tony TaylorMastering Execution: Insights and Strategies for Leaders with Anthony Flynn & Tony Taylor In this episode of Leaders Lead, we explore the critical topic of execution - the art of turning ideas into action and achieving your goals. Our expert guest, with years of experience coaching top executives and entrepreneurs, shares insights and strategies for mastering execution. We discuss the challenges that leaders face in executing their ideas and offer practical solutions for overcoming them. From setting clear goals to developing a winning mindset, our guest shares actionable advice on how to create a culture of accountability and continuous improvement. We...2023-03-2841 min

Scottish Mortgage PodcastWhat is the mortgage guarantee scheme in Scotland, and am I eligible?If you're a first-time buyer in Scotland, you may have heard of the Mortgage Guarantee Scheme. But what is it, and how can it help you get onto the property ladder? In this video, we'll explain everything you need to know about the Mortgage Guarantee Scheme in Scotland.We'll start by defining what the scheme is and how it works, including the government-backed guarantee that it offers to lenders. We'll also discuss the eligibility criteria for the scheme, including income requirements and property price limits.We'll go over the benefits of the scheme, such as...2023-03-2704 min

Scottish Mortgage PodcastHow much deposit do I need to put down as a first-time buyer in Scotland?As a mortgage advisor, one question I'm frequently asked by first-time homebuyers in Scotland is, "How much of a deposit do I need?" In this blog post, I'll cover everything you need to know about deposits, including how much you need, what they are, and how to save up for one.Firstly, let's define what a deposit is. A deposit is the amount of money you put down to buy a property, also known as your down payment. In Scotland, the typical deposit requirement is at least 5% of the property value or purchase price, whichever is lower...2023-03-2405 min

Scottish Mortgage PodcastHow do I find the right property to buy in Scotland?Are you thinking of buying a property in Scotland but feeling overwhelmed? This podcast is here to help. We'll guide you through the process of finding the right property, from determining your budget and exploring popular areas to narrowing down your search by property type.During the podcast, we'll discuss:How to calculate the costs associated with buying a property in ScotlandTips for choosing the right location, including popular areas to considerAdvice on viewing properties, including what to look for and how to make the most out of a viewingBy the end of the...2023-03-2304 min

Scottish Mortgage PodcastHow much can I afford to spend on a house as a first-time buyer in Scotland?How much can you afford for a house in Scotland? As a first-time buyer, understanding your finances is crucial. Assess affordability by exploring lenders and using their online calculators. Be aware of how lenders evaluate income, such as set salary, overtime, shift work, and bonuses, which can vary between lenders.Debt-to-income ratio also affects affordability. As a mortgage broker, I check affordability with multiple lenders before running agreement in principles. Online calculators can provide a rough estimate but may not be entirely accurate. After assessing affordability, understand the Scottish housing market, where you may need to pay...2023-03-2208 min

Scottish Mortgage PodcastWhat is the first step to buying a home in Scotland?The first steps to buying a home in Scotland.1, Check Affordability2, Check How Much you Can Borrow3, Get a Mortgage in Principle4, Find a Property5, Apply for your mortgage. Please like share and subscribe if you find our information useful 2023-03-2106 min

Scottish Mortgage PodcastIs it possible to get a mortgage with a default?In today's world, obtaining a mortgage can be a tricky and challenging process, especially if you have a default on your credit report. A default is a mark that is placed on your credit report when you haven't been paying your commitments, and it can have an impact on your chances of getting a mortgage. However, it is possible to get a mortgage even if you have a default, and in this blog post, we will explore how to improve your chances of getting a mortgage with a default.The first thing you need to understand is...2023-03-2006 min

Scottish Mortgage PodcastMoving House Made Easy: Key Factors to Think About Before You MoveMoving house can be exciting, but it can also be a daunting task. There are several things to consider before making the big move. In this article, we will discuss the top things to consider before moving house.The first step is to understand why you want to move. Some common reasons are moving for school, upsizing or downsizing, and separation or divorce. Once you understand why you want to move, it's important to assess your current situation and determine your goals for the move. This will help you decide where you want to be in the...2023-03-1707 min

Scottish Mortgage PodcastApplying For A Mortgage - A Simple ProcessI'll be taking you through the process of applying for a mortgage in a clear and easy-to-understand manner. Mortgages can be complicated, but as a mortgage broker, I am here to take care of the majority of the complexities, and a good mortgage broker will do all of that in the background. So, let's dive into the process.Step One: Check AffordabilityThe first step is to ensure that you can afford the houses that you are looking at. You need to be able to afford the monthly payments, and this is the most important consideration...2023-03-1609 min

Scottish Mortgage PodcastUnderstanding Mortgage Deposits: Exploring Options for Buying a House in ScotlandAre you struggling to understand mortgage deposits when buying a house in Scotland? In this video, we're going to cover everything you need to know about mortgage deposit options, including buying above or below the home report value, genuine bargain pricing, using a gifted deposit from family and friends, and new build gifted deposits.First, let's talk about what happens if you're buying above the home report value. If you buy a property for more than its value, you'll need to pay extra money on top of your deposit. For example, if you buy a house for £105,000 a...2023-03-1507 min

Scottish Mortgage PodcastProperty Staging - How to Prepare Your House for Sale - Step by Step GuideIf you're planning to sell your house, you'll want to make sure it looks its best for potential buyers. But with so much to do, it can be overwhelming to figure out where to start. That's where this step-by-step guide comes in! We'll show you how to stage your home to sell using our top tips for decluttering, cleaning, repairs, furniture placement, decor, and final touches.First, we'll explain the importance of decluttering and how it can make your space look larger and more appealing to potential buyers. We'll provide tips on how to declutter, such as...2023-03-1406 min

Scottish Mortgage Podcast5 Proven Negotiation Strategies for First-Time BuyersThis comprehensive guide explains why negotiation is crucial in the home-buying process for first-time buyers and provides effective strategies to help them save money and secure the best deal on their new home. Learn how to research effectively, establish your budget and priorities, exude confidence and assertiveness during negotiations, and know when it's time to walk away. Follow these proven strategies and be better equipped to navigate the home-buying process successfully. Please like share and subscribe if you find our information useful 2023-03-1308 min

Scottish Mortgage PodcastBank Shift Nurses Can Get Mortgages: Here's How!As a nurse, you might have heard that it's difficult to get a mortgage using bank shifts due to the temporary nature of the contract. However, this is not entirely true. If you work on the bank, you can use your income to get a mortgage, and you'll be treated similarly to other contractors. It's essential to show that your income has been sustainable over a certain period of time and is likely to continue.Lenders will look at your budget planner, and it's crucial to understand your monthly budget as a homeowner. Look at what you're...2023-03-0904 min

Scottish Mortgage PodcastStruggling to Get a Mortgage as a Probationary Teacher? How Mortgage Brokers Can HelpAs a newly qualified teacher, you may struggle to secure a mortgage if you're in your probationary year. This is because many lenders are hesitant to lend to people in probationary periods or with fixed-term contracts. And while teaching is a stable profession with a decent salary, some lenders are hesitant to lend to temporary contract teachers, probationary teachers, or fixed-term contract teachers due to the uncertainty around their future employment.However, getting a mortgage as a temporary or probationary teacher is not impossible. Mortgage brokers can help you navigate this situation and secure a mortgage, even...2023-03-0804 min

Scottish Mortgage PodcastWhy is Credit Important for Mortgages?When it comes to getting a mortgage, one of the most important factors is your credit score. Many people who are struggling with their credit wonder how they can improve it in order to qualify for a mortgage. In this blog post, we will discuss the importance of credit when applying for a mortgage, and provide tips on how to improve your credit score.Why is Credit Important for Mortgages?Credit is important for mortgages because it impacts your ability to get approved and the costs associated with your mortgage. Lenders use your credit score...2023-03-0705 min

Scottish Mortgage PodcastFirst Time Buyer Challenges🏡 Are you a first-time buyer in Scotland? Facing challenges with buying your dream home? In this post, I'll be sharing some insights into the difficulties that first-time buyers encounter and some tips to help you out.The biggest challenge that first-time buyers face is not having enough money for a deposit. With rising living costs and high rental prices, saving for a deposit can be a real struggle. Most first-time buyers typically have a deposit of around 5% which is usually enough for them to buy, however if they need to offer above home report they struggle.2023-03-0605 min

Scottish Mortgage PodcastUnderstanding New Build Property Incentives: Cash vs Non-Cash IncentivesAre you considering purchasing a new build property? If so, it's important to know that builders and developers often provide incentives to encourage buyers to purchase their properties. These incentives can come in the form of cash or non-cash incentives.Cash incentives are when the builder physically gives you money towards something that can save you money, such as a deposit contribution, solicitor costs, stamp duty costs, or land tax costs. Non-cash incentives, on the other hand, are when the builder upgrades certain features of the property, such as the kitchen or flooring.It's important...2023-03-0303 min

Scottish Mortgage PodcastThe reservation process when buying a brand new homeBuying a new build home can be an exciting experience, but it can also be a confusing one. One of the things that can cause confusion is the difference between pre-reservation and reservation. I will do my best to explain the differences between the two so you can make an informed decision when buying your new home, if there is anyone working with builders in the industry that has anything to add feel free to leave it in the comments. When you pre-reserve a property, you are essentially putting your name down to get first r...2023-03-0203 min

Scottish Mortgage PodcastChecklist on the leadup to moving dayBuying a house is a major financial decision and one of the biggest investments that most people make in their lifetime. As such, it is important to have a well thought-out plan in place to ensure that the process runs smoothly and efficiently. A good plan not only helps to minimize stress and anxiety associated with the move, but it also helps to ensure that you have all the necessary resources and support in place to make the transition as seamless as possible. By following a detailed checklist and carefully considering each step of the process, you can avoid...2023-03-0106 min

Scottish Mortgage PodcastBuying a house in Scotland - How a solicitor can helpBuying a house can be a complex and time-consuming process, and nowhere is this more true than in Scotland, where the legal system and property laws differ significantly from those in other parts of the UK. When it comes to buying a house in Scotland, solicitors play a crucial role in ensuring that the process runs smoothly and legally. In this article, we'll take a closer look at the role of solicitors in buying a house in Scotland and what you can expect from the process. Conveyancing This involves the legal work involved in transferring ow...2023-02-2804 min

Scottish Mortgage PodcastProtect Your Property and Loved Ones with a WillIf you own a property in your sole name and you don't have a will, you could be exposing yourself and your loved ones to a range of risks. Without a will, you won't have any say in how your property is distributed after you die, which can lead to disputes, legal battles, and unintended consequences.In this post, we'll explore the risks of not having a will when you own a property in single names and why it's important to take action to protect your assets and your loved ones.What is a will?2023-02-2704 min

Scottish Mortgage PodcastHow to Find Your Dream HomeIf you're in the process of buying a new home and have your mortgage and principle agreed, then the next step is to start looking for your new property. There are plenty of traditional ways to find a new home, but the modern approach is to search online. Popular websites such as Rightmove, Zoopla, and OnTheMarket are all great places to start your search.However, it's important not to forget about local estate agents' websites. They may have properties listed that haven't yet been added to these platforms. Social media is also a useful tool for finding...2023-02-2403 min

Scottish Mortgage PodcastUnderstanding Home InsuranceHome insurance is a crucial aspect of purchasing a property. In fact, some lenders require buyers to have their own home insurance policy in place, along with the building's insurance policy, before they can draw down on funds. Therefore, it is essential to have insurance, and it will be a condition of the mortgage when you buy.However, there are different types of home insurance policies available, and it can be confusing to understand the differences between them. In this article, we will talk about the difference between buildings insurance and contents insurance.Buildings insurance...2023-02-2303 min

Scottish Mortgage PodcastBuy Your Dream Home in as Little as 5 StepsBuying your first home can be an exciting and daunting experience at the same time. It is a significant financial investment, and it's essential to know what you're getting into before taking the plunge. When it comes to buying a home, there are several important steps to consider. In this blog post, we'll guide you through the five key steps to purchasing your first home.Step 1: Check Your Monthly CostsBefore you start looking for your dream home, it's crucial to know how much you can afford. The first thing you need to do is...2023-02-2203 min

Scottish Mortgage PodcastCheck Your Borrowing Amount - Do This Before Applying for a MortgageCheck to see how much you can borrow before you've started applying for anything can get you in the right position when you come to buy your house. This is something that I've spoken previously about and it's something that I'm getting asked a lot of questions on. So I thought I'd do another episode and another another, yeah, another episode to talk you through. How it works. Now, the first thing that you can do when you're looking to check your affordability is to check the affordability calculators, and there's lots of them online. T...2023-02-2103 min

Scottish Mortgage PodcastGet Mortgage Ready - Get Ahead of The GameGetting a mortgage can be a daunting task for many people, especially if you're a first-time buyer. But there are steps you can take to improve your chances of getting approved for a mortgage, and one of the most important ones is to be proactive and get ahead of the game. In this article, we'll go over some of the things you can do to increase your chances of getting approved for a mortgage on the first try.Get a copy of your credit reportThe first thing you should do when you're considering applying for a...2023-02-2003 min

Scottish Mortgage PodcastProtecting Your Mortgage and Your Family: Understanding the Key Differences in Personal Insurance OptionsPersonal insurance is a group of insurance policies that protect an individual's personal life, income, and family in case of death, serious illness, or critical illness. There are various types of personal insurance policies available, each with its unique features. In this blog post, we will discuss the key differences between the different types of personal insurance policies.Life Insurance:Life insurance, also known as assurance or life cover, is an insurance policy that pays a lump sum to your loved ones in case of death. The policy allows you to choose the coverage amount...2023-02-1706 min

Scottish Mortgage PodcastDeposit Options When Buying a House: A GuideBuying a house can be a daunting task, especially when it comes to figuring out how to come up with a deposit. A deposit is an amount of money that will be used in addition to the mortgage to purchase a property. Most lenders require a deposit, which is typically set as a percentage of the property value or purchase price, whichever is lower. In this article, we will explore the different options available when looking for a deposit for your new home.Savings from Your SalaryThe most common type of deposit is savings from your...2023-02-1607 min

Scottish Mortgage PodcastUnderstanding Mortgage Rate TypesHave you considered a fixed rate mortgage? This is one of the most popular repayment plans and offers stability in a volatile market. With a fixed rate, you have a set payment for a set period of time, providing protection from market conditions. While you may not benefit from a decrease in interest rates, you have the option to make overpayments which can lower your overall interest payment. The key advantage of a fixed rate mortgage is stability and predictability, but keep in mind that you are tied into the rate and may incur early repayment charges if you...2023-02-1507 min

Scottish Mortgage PodcastDifferent Mortgage Repayment Types: An OverviewWhen taking out a mortgage, it is important to know about the different mortgage repayment types available. In this article, we will provide you with a brief overview of some of the most common mortgage repayment types that you may encounter when searching for a mortgage.Capital Repayment MortgageThe capital repayment mortgage is the most common type of mortgage repayment and the one that ensures that the mortgage will be fully repaid at the end of the term if you make your monthly repayments on time. This type of mortgage is considered the least...2023-02-1404 min

Scottish Mortgage PodcastThe Basics of Mortgages: A Guide to Home OwnershipThe Basics of Mortgages: A Guide to Home OwnershipIf you've always dreamed of owning your own home, but don't have the cash to do so, a mortgage might be the solution you're looking for. But what exactly is a mortgage? How does it work? And what are the risks involved? In this blog post, we'll answer all of your questions and give you a comprehensive overview of the basics of mortgages.What is a Mortgage?A mortgage is a loan secured against a property that enables you to purchase it. Simply put...2023-02-1303 min

Scottish Mortgage PodcastBuying a property in Scotland: It is important to understand the Home ReportWhen buying a property in Scotland, it is important to understand the Home Report. The majority of properties on the open market come with a Home Report, which provides valuable insight into the condition of the property before you buy it. The Home Report is divided into three main sections: the Single Survey, Energy Performance Report, and the Property Questionnaire.The Single Survey provides a visual inspection of the property and its condition. It also indicates any repairs that may need to be done, categorizing them into three categories: Category 1 (no repairs needed), Category 2 (future repairs needed...2023-02-1006 min

Scottish Mortgage PodcastWhat is a Mortgage In PrincipleMortgage and principle, also known as decision in principle or agreement in principle, is a term that refers to a preliminary evaluation of a borrower's creditworthiness by a lender. This evaluation is conducted to determine the likelihood of the borrower being approved for a mortgage loan. Estate agents and builders often require borrowers to have an agreement in principle before they reserve a property, as it provides evidence that the borrower is able to secure a mortgage.In this blog post, we will take an in-depth look at mortgage and principle, what it is, how it works...2023-02-0903 min

Scottish Mortgage PodcastGetting Your Paperwork in Order: The Key Documents Needed for a Mortgage ApplicationApplying for a mortgage can be a complex process, but getting your paperwork in order at the earliest possible time can make the process smoother and more efficient. In this article, we'll go over the key documents that you'll need to provide when applying for a mortgage and give you some tips on making sure that the format of these documents meets the requirements of the lender.Identity Proof: To prove who you are, you'll need to provide either your passport or driving license. It's important to make sure that these documents are up to date and...2023-02-0804 min

Scottish Mortgage PodcastUnderstanding Your Borrowing Capacity for a MortgageMortgage affordability is a common topic of discussion for many of my clients when it comes to buying a home. The question of "How much can I borrow?" is an important one to answer early on in the process. In this video, I'd like to dive a little deeper and explain some of the factors that can impact your borrowing capacity and mortgage affordability.Dispelling Common Misconceptions: It's a common misconception that if you're currently renting a place and the monthly payments are the same as what they would be on a mortgage, then you'll be able...2023-02-0705 min

Scottish Mortgage PodcastImportance of Checking Your Credit Before Applying for a MortgageChecking your credit is crucial when applying for a mortgage. Lenders will use your credit score to determine the amount they are willing to lend you, the interest rate they will charge, and if they will approve your loan application. There are several credit reporting agencies, such as Experian, Equifax, and TransUnion, that can provide you with a credit score and help you understand your credit history.One agency that I recommend to my clients is Check My File. This agency provides a comprehensive credit report that combines information from all the major credit reporting agencies into...2023-02-0604 min

Scottish Mortgage PodcastMoving Your Mortgage: Is It Worth It?When it comes to mortgages, the term "better deal" is often thrown around. But what does it really mean, and is it worth it to move your mortgage to take advantage of a new deal? The answer is, it depends.First, let's define what we mean by a "better deal." In most cases, this refers to a lower interest rate. However, it's important to note that interest rates aren't always the deciding factor when it comes to determining if a new deal is better for you. Other factors, such as fees and loan terms, also play a...2023-02-0304 min

Scottish Mortgage PodcastFind out how much your mortgage payments will be each monthWhen it comes to buying a home, one of the most important questions potential homeowners ask is "how much will my mortgage payments be each month?" However, this question can be difficult to answer without knowing the context of the person's situation, such as their income, outgoings, and borrowing amount.Length of TimeOne of the most significant factors that determine the monthly cost of a mortgage is the length of time the mortgage will be spread over. If you're looking to pay off your mortgage in a shorter period of time, such as 10 years...2023-02-0204 min

Scottish Mortgage PodcastHow much can you borrow when buying a house?When it comes to buying a house, one of the most important things to consider is how much you can borrow from a lender. There are a number of factors that lenders take into account when determining your borrowing amount, including income and outgoings.All lenders have their own criteria and systems for determining what you can borrow. Some may have online calculators that you can use to get a rough idea of what you may be able to borrow. However, it's important to note that every lender has their own internal algorithms and they all assess...2023-02-0105 min

Scottish Mortgage PodcastThe best time to buy your first homeWhen it comes to buying your first home, one of the biggest questions on your mind is likely to be when the best time to make the purchase is. With so many factors at play, including market conditions, interest rates, and your personal financial situation, it can be difficult to know when the right time is to take the plunge.As a mortgage broker, I get asked this question on a daily basis, and the truth is, it's not always easy to predict the market. Many first-time buyers put off buying because they think prices are too...2023-01-3104 min

Scottish Mortgage PodcastOnline Gambling and its Impact on Mortgage Applications in the UKOnline gambling has become a popular pastime for many people, but it's important to be aware of the impact it can have on your mortgage application. As a mortgage broker, it's my job to make sure you are informed about the factors that lenders take into consideration when assessing your application. I'll be discussing the key things that lenders look out for when it comes to online gambling and how it can impact your mortgage application. The first thing that lenders will take into account is the amount of money that you are spending on g...2023-01-3004 min

Scottish Mortgage PodcastBuy your home with a 5% DepositIn today's housing market, many potential home buyers are faced with the challenge of saving for a large deposit. Traditional wisdom has long held that buyers should aim to put down at least 20% of the purchase price in order to secure a mortgage. However, with home prices on the rise and many buyers struggling to save enough money, this can be a daunting task.There areoptions out there for buyers who can't afford a large down payment. The options may be reduced, but that doesn't mean you can't find a lender that will approve your application.2023-01-2703 min

Scottish Mortgage PodcastDo you need insurance when buying a house?If you're thinking of taking out a mortgage in the UK, one thing to keep in mind is that lenders typically require buildings insurance. This covers damage to the structure of your property from things like fires or natural disasters. But there are other types of insurance to consider depending on your situation. For example, life cover (also known as life insurance) provides a lump sum to your loved ones in the event of your death, which can be used to pay off debts or support your family. Critical illness cover pays out if you're diagnosed with a serious...2023-01-2604 min

Scottish Mortgage PodcastUse the equity in the property you are renting towards your deposit.Renting a property can be tough, especially when it comes to saving up for a deposit while also keeping up with the high rent payments. However, if your landlord is willing to help, there is an option for you to buy the property you're currently renting.One option is for the landlord to gift you a portion of the property's equity as your deposit. This means that instead of physically giving you cash, the landlord would reduce the amount you need for a deposit. For example, if the property is worth £100,000 and the landlord gifts you £5,000, this £5,000 can...2023-01-2503 min

Scottish Mortgage PodcastDo you need to use the Estate Agent recommended broker?When it comes to buying a home, choosing the right mortgage broker is essential. This is the person who will guide you through the process, find the right deal for you, and make sure you get the keys to your dream home.Some estate agents may try to tell you that you have to use their own broker. This isn’t true. They can suggest their own broker, but they can't force you to use them.When you're looking for a mortgage broker, you need to find someone you trust. Someone who will work hard fo...2023-01-2403 min

Scottish Mortgage PodcastGetting the Right Solicitor Is key when buying your home.When it comes to buying or selling a property, having a solicitor or conveyancer handle the legal side is a must. While you have the option to choose your own solicitor or conveyancer, it's also important to consider the benefits of using one recommended by your mortgage broker or estate agent. They have a history of working together, which means they can work seamlessly to ensure a smooth transaction. Your broker or agent has likely vetted the solicitor and can vouch for their experience and reliability. Using a solicitor recommended by your broker or agent ca...2023-01-2304 min

Scottish Mortgage PodcastYou can get a mortgage if you are self employed or run a businessSelf employed or a business owner, it is possible to secure a mortgage. Lenders will look at your income to determine how much you can afford to borrow and assess the viability of your business. Different types of self-employment (sole trader, limited company director, contractor) may affect your ability to secure a mortgage or the amount you can borrow. For sole traders, lenders will typically use tax returns or S3O2 and tax year overviews or even an accountant reference to determine income, it may be more difficult to secure a mortgage if you have be...2023-01-2006 min

Scottish Mortgage PodcastBank V Broker - Who is the best?When it comes to finding a mortgage, many people may be tempted to go straight to their bank. After all, they may have a long-lasting relationship with their bank and feel comfortable using them for such a big financial decision. Using a mortgage broker can also be a great option. Mortgage brokers can give access to various different lenders and deals that you may not have access to if you went directly to your bank. They can also be extremely helpful if you have a more complex income situation, such as if you work overtime in...2023-01-1904 min

Scottish Mortgage PodcastGifting a Deposit is a way parents can help their kids get onto the property ladderGifting a Deposit is a way parents can help their kids get onto the property ladder. Its not the only way though.Buying a property in the UK can be a daunting task, especially for first-time buyers. One way that many people are able to make the process a little easier is by receiving a gifted deposit from their parents. This is a fairly straightforward process, but there are a few things to keep in mind.First and foremost, it's important to note that you should not transfer money until you are told to do...2023-01-1804 min

Scottish Mortgage PodcastTalk to an estate agent as early as possible if you are planning to sell your homeIf you are thinking about selling your house, the first step is to talk to a reputable estate agent as early as possible. They can provide you with valuable advice on how to prepare your house for sale and help you maximize the sale price. I was talking to one estate agent the other day who has been working with a client for 9 months to get their home ready. Estate Agents have access to other professionals as well. Something that is become quite popular, especially when a property is empty is staging the property. The...2023-01-1704 min

Scottish Mortgage PodcastWho is the best mortgage broker to use?Who is the best mortgage broker to use? When looking for a mortgage broker, it's important to find someone you connect with and trust to work hard on your behalf. This is because the process of getting a mortgage can take weeks or even months, and if you don't have a good relationship with your broker, it could lead to breakdowns in communication and trust. Another thing to keep in mind is that not all mortgage brokers offer the same services. Some are tied to certain lenders. Some may specialize in ce...2023-01-1604 min

Scottish Mortgage PodcastHow much deposit do you need when buying a house?In the past, it was quite common for first-time homebuyers in the UK to put down a deposit of at least 20% when purchasing a property. However, with rising house prices and the increasing cost of living, it has become more difficult for many people to save up such a large amount of money. As a result, there has been a growing demand for low deposit mortgages, including ones that only require a 5% deposit.If you're considering a 5% deposit mortgage, it's important to understand how they work and what the pros and cons are. In this blog post...2023-01-1304 min

Scottish Mortgage PodcastWhy you keep getting outbid when trying to buy a homeThere could be a number of reasons why you keep getting outbid when trying to buy a home. Here are some possible explanations:The market is competitive: If there are many buyers looking to purchase homes in the area where you are trying to buy, it can be tough to outbid them. This is especially true if there are few homes available for sale, as this creates more competition among buyers.You are not offering enough: If you are consistently being outbid, it could be that you are not offering enough money for the homes you are interested...2023-01-1205 min

Scottish Mortgage PodcastMoving Home Without Savings: How to Use the Equity in Your Current Home to Raise a DepositMoving home can be a stressful and expensive process, and one of the biggest challenges is often coming up with a deposit for your new home. If you don't have any savings and you're struggling to find the funds you need, you may be wondering if there are any options available to you. One option to consider is using the equity in your current home towards the deposit on your new home.Equity is the difference between the value of your home and the amount you still owe on your mortgage. If your home has increased in...2023-01-1105 min

Scottish Mortgage PodcastDon't Let a Mortgage Decline Get You DownDon't Let a Mortgage Decline Get You Down: Understanding the Reasons Why, even if you have good credit. Debt-to-income (DTI) ratio: This ratio is a measure of how much of your income is used to pay off debts. If your DTI is too high, it may indicate to lenders that you may struggle to make your mortgage payments.Down payment: Many lenders prefer borrowers to have at least 20% of the home's purchase price saved as a down payment. If you don't have a large down payment saved up, you may need to consider alternative mortgage products.E...2023-01-1005 min

Scottish Mortgage PodcastFinding the Right Mortgage Broker: Why Trust is KeyWhen it comes to finding a mortgage broker, you might be wondering whether location matters. After all, in the past, it might have been easier to work with a broker who was in the same city as you. But with all the technology we have these days (hello, Zoom and FaceTime), it's easier than ever to work with a broker who isn't in the same city as you.But location isn't the most important thing to consider when choosing a mortgage broker. The key factor is trust. Here's why:First off, your mortgage is probably...2023-01-0903 min

The Silicon Valley PodcastEp 164 Business and Emotions with Tony QuingtongShownotes for Tony Quingtong Chief Executive Officer Securieon Group is a hybrid of management and acquisition advisory for low mid-market privately held companies who need an outside looking in review of their company’s growth strategy. Founders and executives may be at a pivotal point of deciding how best to efficiently scale for additional revenue, capital, investors or M&A. As the global internet economy evolves, market trends change as does consumer buying habits. Unrecognized, a domino effect occurs which can derail the best intentions of founders who built their organizations on...2022-12-2142 min

Reality Czars Podcast#130 All Things Conspiracy w/ Connor Flynn aka Bigfoot Anon!Welcome Czarists! This episode the Reality Czars are joined by the great Connor Flynn aka Bigfoot Anon! Connor is an author, researcher and an awesome dude! We had fun conversation about all things conspiracy, pyops, tyranny, false flags and of course sasquatch! Please go show Connor some love! https://www.tiktok.com/@bigfootanonymous https://www.facebook.com/bigfootanonymous https://youtube.com/@BigfootAnon Check this out! https://www.amazon.com/dp/B0BFP2HCSJ?ref_=cm_sw_r_mwn_ts_0Z83NRWS5MR5YQBDRQ9T https://youtube.com/@ParanormalHighway https://altmediaunited.com/reality-czars/ https://linktr.ee/realityczarspod https://rokfin.com/post/97520...2022-12-041h 32 $Dishin\' Days$ Dishin' DaysDay of Days 2022 Interview Greg Rikaart & Billy FlynnAraceli Aviles from Dishin Days talks with Days of Our Lives stars Billy Flynn and Greg Rikaart at the 2022 Day of Days event at the Xbox Plaza at L.A. Live. The pair talk about the hilarious scenes they share, who is most likely to break character in rehearsals, and how the show changes on a new network.Follow Dishin' Days:Instagram: @dishindaysTwitter: @dishindaysFacebook: Dishin' DaysMerch: www.dishindays.threadless.com 2022-11-1511 min $Dishin\' Days$ Dishin' DaysMarci Miller and Billy Flynn InterviewJoin Tony Moore, Araceli Aviles and Justin Hareld as we discuss Abigail's Death with Marci Miller and Billy Flynn plus we chat more in depth about what it has been like to work with each other over the years.2022-06-2044 min

The Warrior Next Door PodcastAIR RAID EDITION - Specialist Patrick Flynn US Army - Operation Enduring Freedom AfghanistanSend us a textBONUS EPISODE! Join us for our first bonus episode we call our AIR RAID edition featuring combat engineer Patrick Flynn who deployed to Afghanistan in 2010 as part of Operation Enduring Freedom. Mr. Flynn worked in route clearance and survived a traumatic brain and spine injury from an Improvised Explosive Device (IED). Upon returning home after his tour, he started a successful grilling spice company called "Frag Out Flavor". Please join us! https://fragoutflavor.com/Support the show 2022-04-1555 min

The Time Out PodcastThe Time Out Podcast EP 60 With Guest Bernard Flynn January 12th '22Bernard Flynn was part of a Meath senior football team that won the royal county their 1st All Ireland in 20 years when they beat the rebel county Cork in 1987. A year later Meath were champions again against the same opposition. Bernard was also part of Meath teams to lose 2 All Ireland finals in 90 and 91 to Cork and Down respectively. Flynn is a 2x All Star and formed one of the most formidable full forward lines in GAA history alongside Brian Stafford and Colm O'Rourke. I caught up with Bernard yesterday to talk about his memorable times in GAA as pa...2022-01-1154 min