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Arranging a mortgage can be a very stressful experience if you try to do it yourself. You can end up spending a lot of time on it and may not get anything like the best deal. We are experts in this field and pride ourselves on the huge number of recommendations we receive. Contact us and we will use our powerful computer databases and expert knowledge to search the vast range of mortgages and identify a suitable scheme for you.We cover all North west area including Accrington, Blackburn, Preston, Burnley, Nelson, Bolton.

Below are some of the questions you are faced with:

• Fixed rate, discounted rate, capped rate or cashback?
• Capital repayment or interest only?
• How is the interest calculated?
• Are there any early repayment charges?
• What possible fees are involved?
• Are there any deals where the fees are paid by the lender?
• How much can I borrow?
• Am I able to obtain a self-certification mortgage?
• I am self-employed and only have accounts for 12 months, can I get a mortgage?
• Can I make overpayments, underpayments or have a payment holiday?
• Can I offset the balance in my current account against the balance on my mortgage?
• What is mortgage protection?
• Do I need mortgage protection and how much does it cost?
• I have a mortgage at the moment, but would like to remortgage. Is it worth it on the basis that I may suffer from a redemption penalty with my existing lender? (a redemption penalty ia a penalty charged by the lender for redeeming the mortgage early)
• Am I able to consolidate existing debt through remortgaging?
• Am I able to change lenders and have lower payments as I have no early repayment charges with my existing lender?
• I have an endowment, but am concerned about a possible shortfall. What should I do?
• I have a bad credit history. Is this a problem?
• I have changed jobs three times in the last year, can I get a mortgage?

As I am sure you can appreciate, it can be a minefield. The one way around it is to consult a mortgage adviser at Progages Financial Services to arrange a mortage for you Contact us now.

• All loans subject to status and availability.

Adding existing debts to your mortgage extend the repayment term and increase the overall cost of the debt.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Contact

Mudassar Iqbal

07870584425

www.progages.co.uk

VAT

For the registration of VAT, your turnover exceeds a certain threshold £61,000 per annum as of April 2006. However you can voluntarily register if your turnover is below this threshold. This then allows you to recover the VAT which you have been charged on company expenses. For many businesses, registration quite simply means tax saved for you, but many people don’t bother to register to avoid all the paperwork.

We take all the hassle out of you, and we can offload all the hastle of managing your financial records. We calculate the tax due on your invoices, track the VAT owing to Customs and Excise on your web site, and complete your quarterly VAT return for you. All you have to do is receive payment or write a cheque for the difference between the VAT your company has paid and the VAT it has collected.

We can review the effects of registration on your company and, if appropriate, handle the registration and resulting paperwork for you - it’s hassle free, and could save you a lot of money.

Contact

Mudassar Iqbal

07870584425

Our Services

Bookkeeping Services		VAT		Accounts
Tax Rebate		Self Assessment		Tax Advice
Company Formation		Payroll		Cashflow Projections
Business Startups				Financial Services

Reasons to use our Accounting

Your conventional accountant is expensive and slow. We save you money and time.

Contact

Mudassar Iqbal

07870584425

First Accountancy Service in Accrington

Tax return

VAT return

PAYE

Capital Gain Tax

Tax Preparation

Advice on Tax

Bookkeeping

contact

www.progages.co.uk

07870584425

Mudassar Iqbal