On 1 April 2018, the Domestic Minimum Energy Efficiency (MEES) provisions came into force, which means that owners must have an energy certificate in at least E category for each of their rented properties. The MEES regulation is currently applicable to all new rental and extension contracts, but from 1 April 2020, they will also cover contracts concluded before 1 April 2018. A violation of the guidelines will result in a fine of up to £ 4,000.

MEES regulations apply to most rented properties in England and Wales. However, in some circumstances you may be eligible for an exemption, which will need to be registered in the PRS Exclusion Register.
If you are currently renting a category F or G property, you will need to take immediate steps to ensure compliance before 1 April 2020.

When looking for appropriate insurance during a mortgage application, we often take into account the amount of compensation we can get and family protection in the event of an unexpected. However, it’s important to remember the additional benefits you may not know about and will vary depending on your protection provider.

Examples of additional services include the advice of specialized nurses or virtual GP services.
It is worth to remember that additional services are usually free for you and your family, regardless of whether you have applied for compensation or not.

Would you like to talk about the available options? Contact us – our advisers are ready to meet with you at the time and place which suit you most.

Survey: Pink Home Loans Broker Deal

Dates: October 2019  – January 2020

Survey of 9 recent customers.


Survey question:

The advisor understood my circumstances and objectives before providing advise:



Survey question:

Everything considered, how personally valued did the advisor make you feel?




Survey question:

Everything considered, how satisfied were you with the overall process?




On a scale of 0 to 10 where 0 is ‘not at all likely’ and 10 is ‘extremely likely’, how likely or unlikely would you be to recommend your adviser to your family, friends and/or colleagues?



Question: Please explain your reason for the above score:


According to the property agency, the right plan and preparation are key when selling your home. You have probably been overwhelmed with a complexity of buying a house – getting a mortgage, understanding financial jargon and all the stress related to it. Sales may look similar, which is why proper preparation is so important.

Below are some main aspects that you should consider when selling your home:

– prepare your property so that it seems attractive to buyers (gardening, cleaning or minor renovation at home)

– choose the right property agency

– set the sale price based on a professional valuation

– organize an energy performance certificate (EPC)

– choose the right solicitor to help you with conveyancing


Remember – after receiving the offer, you should work with the solicitor on the final sale details, then exchange the contracts and make the property available to the new owner.


The scary event of repossession of your home highlights importance of a mortgage and financial adviser, who as well as planning the mortgage should arrange protection for when a crisis arises and a lender take steps to recover their mortgage which could lead to the repossession of a home.


Income protection, life insurance, family income benefit or critical illness cover is crucial when buying house with the mortgage.


Our advisers are experts in arranging most suitable mortgage as well as designing protection portfolio to suit each individual situation. Please give us a call or email us to arrange convenient appointment.


Understanding repossession: Information from Shelter, England.


Your lender writes to you about mortgage arrears


  • Your mortgage lender must follow rules about how they contact you.
  • If you fall behind with your mortgage payments, your lender should first contact you to ask you to sort the problem out.
  • You should talk to your lender, consider all your options and put a
  • proposal to your lender about how to deal with the arrears.
  • Your lender should write to you again. They should warn you that they’ll
  • start court action to repossess your home if you don’t respond or if they’re unhappy with your response.
  • You can negotiate with your lender at this stage.


If you fail to communicate with your lender,

Your lender applies to a court asking for a possession order


  • Contact a Shelter adviser online or by phone
  • Use Shelter’s directory to find a housing adviser at a Shelter
  • advice service, Citizen’s Advice or law centre
  • Your mortgage lender must get a court order to repossess your home.
  • To get this, the mortgage lender has to make an application to the
  • local county court setting out reasons why a judge should give them
  • possession of your home.



The court writes to tell you the hearing date


The court fixes a date for a court hearing where a judge decides if you can keep your home or if your mortgage lender should get possession.


The court will send you a copy of the lender’s claim form with:


  • the time and date of the court hearing
  • the reasons the lender wants to repossess your home
  • a defence form for you to complete and return to the court


It is important to reply to the court using the defence form.


Get advice as soon as possible. An adviser may be able to help you prepare for the hearing, gather evidence and negotiate with the lender or lender’s solicitor.


A judge hears the repossession case


A judge in a county court makes decisions about repossession.

The judge reads and hears the evidence from you and your lender before making a decision.


The judge may:


  • decide that your home should be repossessed – this means you can be evicted, and your lender can sell the property to repay your mortgage debts
  • make a suspended possession order – this allows you to stay in your home provided you keep to certain conditions
  • adjourn the case – this means the case is postponed for a hearing at
  • a later date to allow you and the lender to take certain steps before
  • the case comes back to court
  • dismiss the case against you


The court makes an order for repossession


A possession order is granted if the judge decides that your home should be repossessed.


The judge decides a date when you have to leave and the court order says when this is. This is usually in 28 days but the judge could allow you up to 56 days.


You may be ordered to pay court costs. Usually the lender adds their legal costs to your outstanding debt.


A suspended possession order is granted if the judge decides you should have another chance to keep your home.


A suspended possession order allows you to stay if you keep to the terms agreed at the hearing. For example, that you pay your monthly installments plus your mortgage arrears at a set amount.


Bailiffs are sent to remove you if you don’t leave


Your lender can ask the courts bailiffs to remove you from your home if you:


Haven’t left your home by the date on a court order for possession or:

You don’t keep to a repayment agreement made in court as part of a suspended possession order.

Your lender must apply to the court for a bailiff’s warrant. If the bailiffs don’t have a warrant, you cannot be removed from your home.

The bailiffs write to tell you when they will come to repossess your home.

When they evict you, bailiffs can’t use physical violence or offensive language. If you don’t leave voluntarily the bailiffs can call the police.

The lender will probably add the costs of the bailiff’s warrant to your outstanding loan.


Get advice about staying until bailiffs remove you.



Your mortgage lender sells your home


After your home has been repossessed, your mortgage lender will sell the property. Until the property is sold, you are still responsible for paying interest on what you owe.


After the sale, the lender keeps the money they are owed and pays you

anything that’s left over. If there’s a shortfall between what you owe and what the property is sells for, you may have to pay off any mortgage shortfall to the lender.