MortgageDrive - YouDrive Thinks...

Switching mortgage provider when my current deal ends can save me money. Who should do it?

Whether choosing an interest only, repayment or offset mortgage or renting, I'll seek professional advice I'll make the decision myself to get the right answer

I’ll sort it myself

Doing it yourself Is a good thing if you feel you are well informed enough and up to date with all the latest offers.

You won’t see all of the mortgages on the market and will need to carefully read the fine print for clauses and penalties etc.

Gathering all the information and being an educated buyer is a good thing but it’s always advisable to get someone to check your thinking and give contracts a second glance.

You could go to the bank or building society but they don’t always have access to the whole of market and you could lose out.

The Guardian have a video which has Rupert Jones explaining the different types of mortgage and cutting through the jargon involved – to see this click the link here.

I’ll seek professional help

It does not really matter what mortgage you’re going for. Every one is different and will can be tailored to meet your needs. The type of mortgage you take now might not be suitable in 5 years time. 

It’s a big commitment and often can lock you in for a long time. Many lenders have hidden charges that are not always easy to spot, which an advisor will know.

Using a professional advisor can save you money in the long run and give you peace of mind that you have taken professional help. They have access to the whole of the market whereas a comparison site may not show all mortgage offers.

Mortgage advisors also know which mortgage suits your particular need
If you’re buying to let and need a buy to let mortgage most advisors have access to that specific market and will recommend the best deals.

YouDrive Thinks…

We advise everyone to read up and gather facts and understand terminology and get professional advice. Even if you finally make your own decision a second opinion from a professional is wise.

We would say never take a mortgage advisor’s total word for it. If there is something you don’t understand or something was said your not clear about don’t stay quiet and think well they know – they are the professionals. Also ask for clarification if there’s anything at all you’re not sure about.  See the video by the Mortgage Advice Bureau.

You’ve seen more detail on the different points of view, and also what YouDrive’s view is.  You can go back to MortgageDrive by clicking the button here.

More information

How to Buy Your First Home

(And How to Sell it Too)

Phil Spencer, property expert and co-presenter of hit series Location, Location, Location, provides everything you need to know to help you buy (and sell) your first home

Go to Amazon

The Complete Guide to Property Investment

How to survive & thrive in the new world of buy-to-let

Over the last 20 years, more than a million Brits have made life-changing profits from buy-to-let. But as prices keep rising and the tax landscape changes, investors need to get smarter in order to succeed.

Go to Amazon

Help me, I’m buying a house

A practical guide for buying your own home in England and Wales. From First Time Buyers, for First Time Buyers and those who don’t know what they are doing.

Almost 300 pages of hands-on guidance. An essential and fun read about buying your own home – from First Time Buyers, for First Time Buyers. Illustrated by Ben Jones to make you smile.

Go to Amazon

45 Ways to Buy Property

Strategies and tactics to build your property portfolio

Property provides a rare opportunity to create wealth and replace your income, do you want to replace your income in 2022?
But, it’s an area shrouded in mystery. How do people grow a portfolio of 20, 30 or 40 properties?

Go to Amazon

Citizens Advice have information on managing your mortgage

MoneyHelper give some guidance on mortgages

The Financial Conduct Authority have some tips and advice on finding an adviser

Scope provide advice for disabled people on getting a mortgage

MoneySupermarket have a mortgage calculator

Stuff you might want regarding smoking

Now you’ve read about smoking you might want to make a bit of a statement.  Have a look at some stuff below we think has some humour value!  We may make pennies on commission, but that’s not the point really.  Click on the image to see more details.

Quit Smoking Gift Stop Smoke Free T-Shirt

In many colours and sizes

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quit smoking tee shirt

Proud Quitter – Quit Smoking T-Shirt

In many colours and sizes

This graphic is the perfect for someone who recently quit smoking cigarettes.
Lightweight, Classic fit, Double-needle sleeve and bottom hem

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quit smoking tee shirt

I Quit Smoking Wow What Funny Novelty 11oz Mug

11oz Mug
Hand Printed in the UK
Highest Quality in the Market
Microwave & dishwasher safe

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quit smoking mug

Dorothy Spring Never Quit You Can Do It Inspirational Quote Plaque Metal Sign Perfect Gift Size 15x20cm

Length: 20cm / 7.9inch | Width: 15cm / 5.9 inch
Metal Wire Included / Easy Hanging
Perfect gift 
High Quality Beautiful Gloss Finish Print

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Health domains

You need to scroll down to see all the info in this popup – sorry for going on so much!

We break down the overall concept of health or wellness into ‘bite-sized chunks’ that we can actually do something about.  The first level we call health domains.

We like the Life of Wellness site and we have chosen the following domains.

1. Emotional Wellness: Awareness and acceptance of feelings
2. Spiritual Wellness: A search for meaning and purpose
3. Intellectual Wellness: Recognition of your creativity, knowledge and skills
4. Physical Wellness: Need for physical activity and balanced nutrition
5. Environmental Wellness: Positive awareness and impact on your environment
6. Financial Wellness: Debt reduction, cash flow balance or financial future planning
7. Occupational Wellness: Personal achievement and enrichment from your career
8. Social Wellness: Contribution to your community

wellness wheel

Health Areas

Within each domain, we have included a number of health areas. These are specific issues that you can tackle.  Within each health area, e.g. Depression, once you have subscribed we have built additional information and exercises which you can do to help in the area.

To close this box and go back click the X at the top or just click outside the box

See which domains you should address

You need to scroll down to see all the info in this popup – sorry for going on so much!

Having established that we use 8 domains, you need to understand which you should concentrate on.

The 8 are:

  • Emotional
  • Environmental
  • Financial
  • Intellectual
  • Occupational
  • Physical
  • Social
  • Spiritual

You can take a questionnaire, which scores you in each domain.  You can decide which domains you are strong in, and which you need to improve.

Another analysis shows which domains you should look at, but also which domains you want to look at.

To close this box and go back click the X at the top or just click outside the box

A Butterfly Life: 4 Keys to More Happiness, Better Health and Letting Your True Self Shine

Times of change can be a challenge, no doubt! Whether it’s a relationship breakup, job loss, or being diagnosed with a serious health issue. Or you may WANT things to be different, but it feels a little scary or overwhelming. The butterfly reminds us change can be beautiful, even necessary, in order to realize our full potential and live our best life.