Spellman Financial Services
Mortgage Brokers Coventry
Our mortgage blog
our mortgage
blog
fixed rate mortgages at an all time low
Spellman Financial ServicesFixed rate mortgages at an all time lowlenders are continuing to lower fixed ratesThere are now several Mortgage Lenders offering fixed rates over 2 and 5 years at below 1%. This now means a...
95% Mortgages in Coventry
Spellman Financial Services95% Mortgages in Coventry following the budgetBudget 2021 Following the 2021 budget, the Mortgage market was provided with the following boost: Stamp duty break extension until June 2021,...
Shared Ownership in Coventry
Spellman Financial ServicesGuide to shared ownership coventryShared ownership coventry Shared ownership can be a great way to get onto the property ladder. And the good news is there are plenty of new developments...
What is loan to value
Spellman Financial ServicesWhat is LTV in Mortgages?What is loan to value? Loan to value in Mortgage terms is the percentage of your Mortgage in comparison to your property value. Loan to value example: Property...
Mortgage Payment Holidays
The Chancellor and Mortgage Lenders have agreed that Mortgage Payment Holidays will be extended for another 3 months, for those that need it.
Key Points to Consider when taking out Life Insurance
Key points to consider when taking out Life Insurance. These points are also true when taking out most of Insurance or Protection cover.
Self-Build Mortgages
Self-build Mortgages: If you’re thinking of building your own home, financing the project may be high on your list of priorities.
Protect yourself and your Family in 2020
While we don’t go through life expecting something bad to happen. We never know what’s around the corner. Protect yourself and your Family in 2020.
Journey of a First Time Buyer
Here we look at a case study of our customer as they talk us through their journey as a First Time Buyer. Including their hints and tips.
The Bank of Granny and Grandad
We’ve heard of bank of Mum and Dad helping First Time Buyers. But recently there has been an increasing rise in the bank of Granny and Grandad.
Better Budgeting
We are all guilty of over spending here or there. If you are saving for your first home or have other financial goals, we should consider better budgeting
What does Brexit mean to you
Whichever side you have been on, the 31 January 2020 undoubtedly marks a momentous point in the country’s history. What does Brexit mean for you.
Crowdfunding the Cost of Healthcare
Crowdfunding has become a common way to fund the cost of healthcare. But this wouldn’t be necessary if people had the appropriate cover in place.
Chances of you needing to claim on Insurance
Chances of you needing to claim on Insurance policies. And the importance of being Covered for as much as your budget will allow.
Borrowing Options in your Later Years
There are an increasing number of options for borrowing into retirement. Here we look through your borrowing options in your later years.
Mortgage Prisoners may be able to Remortgage
Mortgage Prisoners is a term generally describing those who are trapped on a higher rate and unable to Remortgage on to a cheaper one.
Income Protection Claims
Income Protection is often a policy which is overlooked. However, it is the policy which is most like to pay out. See Income Protection Claims stats
Are you at the End of your Fixed Rate Deal
Are you coming to or are at the end of your Fixed Rate deal? Speak to a Mortgage Adviser about either Remortgaging or transferring over to a new product
Joint Life Cover for Couples
Here we look at the different types of Life Cover available and whether joint Life Cover for couples is the better than separate policies.
Considerations for First Time Buyers
Buying your first home can be a daunting experience. Here we explore some handy hints and tips for First Time Buyers prior to starting the process.
The Insurance Policy that could prove Critical
There is one policy that can be overlooked by insurers for one reason or another. Here we look into the insurance policy that could prove critical.
End of Interest Free Equity Loan period
Are you coming to the end of your interest free equity loan period on your Help to Buy Equity Loan? There are several options that can be considered.
Should I use a Mortgage Broker
Should I use a Mortgage Broker and do I need a Mortgage Broker or should I just go direct to the bank? Getting advice saves time and money…
CIS Mortgages Coventry
CIS Mortgages enable Construction workers to obtain a much larger Mortgage through two mainstream Lenders. Get in touch for CIS Mortgage Advice in Coventry
Will Mortgage rates fall
Following base rate cuts over Coronavirus fears. Borrowers want to know if or when will Mortgage rates fall. And when to get a mortgage in 2020.
spellman financial services
Get in touch!
If you need professional Mortgage Advice, please click the button below.
Address & Telephone
102 Stoney Road, Coventry, West Midlands, CV3 6HY
Telephone: 07739387944
Email: luke@spellmanfs.co.uk
Opening Hours
Monday-Friday: 08:00 - 18:00
Saturday: 08:00 - 14:00
Sunday and other times: By appointment
More pages
Terms and Conditions
Privacy Policy
Spellman Financial Services is a trade name of Luke James Spellman which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 02/07/2026.
Spellman Financial Services is Registered in England. Registered Number: 14599504. Registered Address: 102 Stoney Road, Coventry, England, CV3 6HY.
The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable or available in any other country which may have access to it.