# Thomas & Co Mortgage Advice Ltd. Hinckley, Leicestershire

> Thomas & Co was set up in 2010, with the ethos of offering the very best Independent Mortgage Advice. We believe that everyone, regardless of age or personal circumstances.


## Posts

- [Falling Interest Rates](https://thomasandco.uk/falling-interest-rates/): Interest rates have been steadily falling, presenting a positive shift for borrowers. With high street rates currently around 4.84% for 5-year fixed products within 85% loan-to-value ratio, making borrowing more affordable. As rates are expected to keep dropping, the choice between a 2-year and a 5-year deal is now becoming crucial. It has never been a more important time than it is now, to discuss your borrowing needs with a whole of market mortgage broker. Luckily, we are here to help you navigate the mortgage market, potentially reducing your monthly mortgage payments. (Published 29th November 2023)
- [Case Study: Home Modifications for a Disability](https://thomasandco.uk/case-study-home-modifications-for-a-disability/): Case Study: Home Modifications for a Disability Thomas & Co Mortgage Advice recently helped a client who was forced to retire due to ill health. Sarah (anonymised) needed money to upgrade her house, as home modifications were required to suit her disability. This case study looks at how our team supported Sarah and secured the cash funds she needed, so she could carry out her home renovation. Retired and short of funds When we met Sarah, she was facing a serious financial dilemma. As a 57-year-old woman, who had been made to retire on medical grounds, Sarah had various needs...
- [Funding Children’s Education and University Studies – Thomas & Co](https://thomasandco.uk/funding-childrens-education-and-university-studies-thomas-co/): Funding Children’s Education and University Studies Funding your children’s education and university studies might seem like an increasingly difficult challenge when faced with the current cost-of-living crisis. According to Student Loan Statistics, the average debt for a student who started their studies in 2021/22 is £45,800 once they have finished their course. Over recent years, this staggering level of debt has left many students questioning whether it’s worth studying at all. Although it’s a common scenario for students to juggle part-time employment with their uni work, the latest financial pressures have taken this to a whole new level. As a...
- [Finding Funding for a Holiday or a Bucket List Adventure](https://thomasandco.uk/finding-funding-for-a-holiday-or-a-bucket-list-adventure/): Finding Funding for a Holiday or a Bucket List Adventure It’s been a strange year for travel. After the turmoil caused by the pandemic, there was an initial surge in holiday bookings causing airport chaos and travel disruption. But as the cost-of-living crisis worsens, many people are now thinking of putting their holiday plans on hold. Finding funding for a break or even a bucket list adventure is becoming increasingly difficult for some. But there are options if you know where to look, as we will explain How much have holidays increased? According to figures compiled by the president of...
- [How to Find Funding for a Caravan, Campervan or Motorhome](https://thomasandco.uk/how-to-find-funding-for-a-caravan-campervan-or-motorhome/): How to Find Funding for a Caravan, Campervan or Motorhome The pandemic led to a rise in people staying within the UK for their holidays. As a result, there was a sudden demand in caravanning breaks. The waiting list for caravan orders doubled and waiting times have only started to decrease recently, as people look at their financial options. Are you looking to find funding for a caravan, campervan or motorhome? With the cost-of-living crisis, caravanning could be a cost-effective long-term solution, especially if you enjoy multiple holidays throughout the year. Although financing such a large purchase may seem challenging...
- [Supporting Grandchildren Financially](https://thomasandco.uk/supporting-grandchildren-financially/): Supporting Grandchildren Financially An increasing number of grandparents are stepping in to support their grandchildren financially, due to the escalating cost-of-living crisis. As parents face an unprecedented level of pressure to pay for energy and other household bills, large spends are being affected. Whether it’s financial support for school or university fees, a child’s first car or a house deposit, many grandparents from the “baby boomer” generation are stepping in to assist. But there are different ways to support a young person or couple financially without digging into your hard-earned savings. Helping with school or university fees A private education...
- [Funding for Home Improvements – Thomas & Co Mortgage Advice Ltd.](https://thomasandco.uk/funding-for-home-improvements-thomas-co-mortgage-advice-ltd/): Funding for Home Improvements The recent cost-of-living rise has left many people wondering whether they can still afford to pay for property renovations and repairs. Whether you’re looking to build an extension or replace a boiler, there are ways to find funding for home improvements. And with the latest announcement in the Spring Budget, there’s currently no VAT payable for green improvements. So, despite the volatile financial landscape, now could be a good time to make certain improvements to your home, taking advantage of any available tax relief. How much does a home extension cost? At the time of writing,...
- [What To Do if Your Interest Only Mortgage is Ending – Thomas & Co](https://thomasandco.uk/what-to-do-if-your-interest-only-mortgage-is-ending-thomas-co/): What To Do If Your Interest Only Mortgage is Ending If your interest only mortgage is coming to the end of its term and you have the loan balance to pay, you have a few options available, but the time to act is now so don’t delay. At the time of writing, inflation and interest rates have risen dramatically. Some mortgages could be more expensive, so you will need to look carefully at your options and plan wisely. If you’re not looking to sell your home or downsize, there are ways you can repay the loan balance. Can I extend...
- [Helping Your Child Buy a House Through Equity Release – Thomas & Co](https://thomasandco.uk/helping-your-child-buy-a-house-through-equity-release-thomas-co/): Helping Your Child Buy a House Through Equity Release Nowadays helping an adult child get onto the property ladder may seem tricky, especially as the cost-of-living increases. There are several ways you can help your child buy their first house, including equity release, becoming a guarantor and shared ownership schemes. Nowadays helping an adult child get onto the property ladder may seem tricky, especially as the cost-of-living increases. There are several ways you can help your child buy their first house, including equity release, becoming a guarantor and shared ownership schemes. Keep your savings in the bank Releasing equity from...
- [Why Retirement Interest Only Mortgages Need to Evolve – Thomas & Co](https://thomasandco.uk/why-retirement-interest-only-mortgages-need-to-evolve-thomas-co/): In 2018, Retirement Interest Only Mortgages (RIOs) were introduced as a way for older homeowners to repay interest-only mortgages. Although this product has been less popular than predicted, this type of mortgage could still be a practical option for some people aged 55 and over. In essence, a RIO is a standard home loan with a key difference; it does not have a set end date. It continues until the date of a “specified life event” occurs, such as the borrower’s death or if they have to move into a care home. The interest is paid off each month and...
- [7 Reasons for Releasing Equity from Your Property – Thomas & Co](https://thomasandco.uk/7-reasons-for-releasing-equity-from-your-property-thomas-co/): Welcome to our first blog! Our aim is to share important insights and information with you on a regular basis. In this article, we look at various situations where releasing equity from your property could provide you with much-needed cash to enjoy your current lifestyle. It may also allow you to make plans for your future, so you can look forward to a comfortable retirement. Here are seven reasons why it might be worth considering equity release: Essential home repairs It’s that time of year when the heating system goes on and boilers are prone to breakdown. Heating repairs can...

## Pages

- [Are you ready for retirement?](https://thomasandco.uk/are-you-ready-for-retirement/)
- [Sports Injury Insurance Everyday Protect](https://thomasandco.uk/everyday-protect/)
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