North Fylde Photographic Society are bringing out the long guns

North Fylde Photographic Society are bringing out the long guns

North Fylde Photographic Society are bringing out the long guns despite the covid situation, people need to come out!

Wayne Paulo Professional Photographer is putting on his first exclusive exhibitions in Thornton Library and Cleveleys Library during February and March.

Showing his Celebrities and Sporting pictures from the eight NFL Super Bowls he has photographed in the USA including Mick Jagger Rolling Stones, Sir Paul McCartney and Beyonce.

In Public Relations, he has photographed enough stars to make a book, “yes” he has a book out as well “Nearly Famous my autobiography Wayne Paulo”, Publisher: Photo-Stock International, ISBN: 9780956362506.

He might be in the library one of those days, check with the reception, and don’t miss it as they are in short supply! If you miss those days, you can order it online.

Wayne’s pictures have been seen all over the world in the press, never have they been seen together in print, after nearly 40 year of being a pro, Wayne says “it is good to get them there and it is publicity for the club, we are hoping to see more members because of it”

They will be organising outings for the club and will post them on their Facebook page for details on when and where to go and meet.

Angela said: “I have learnt so much in the years I have been a member and made many good friends. I enjoy all genres of photography but I am more known for my photos of my dogs, grandchildren and hares. The viewers at Thornton Library and Cleveleys Library during March and April will get a really good idea about our photography at the North Fylde Photographic Society." F facebook.com/groups/520006824732212

New members, of any level, are always welcome at: M North Fylde Photographic Society, The Church of St Martin and St Hilda, Fleetwood Road, Carleton

For further details please see www.northfylde-ps.co.uk or contact secretary Neil Pascoe on N 01253 734243

Midnight Rendezvous - ©Angela Carr

Thinking of Remortgaging?

By Peter Pearson Independent Financial Adviser, Tenet&You

Get to know how remortgaging works, why should you remortgage, and our top tips to make sure you’re in the best position to remortgage?

At Tenet&You we’re able to advise across the full range of financial areas, including retirement planning, protection and insurance, building an investment portfolio and also mortgages. Following a bumper year in the housing market in 2021, the market saw a flurry of remortgages as people looked to secure historically low rates. 2022 looks to be no different for remortgage activity with a huge number of borrowers coming to the end of their existing mortgage products, all of whom will be keen to fix in early to the lowest rates available.

The term remortgaging means that you are switching your current mortgage deal to another mortgage deal. This can either be with your existing lender or a different one.

Typically, people look to remortgage when the fixed term on their current mortgage deal comes to an end. If you opt to not choose another fixedterm deal, there’s a strong chance your lender will transfer you over to their standard variable rate (SVR), which is often more expensive. As such, it’s always worth reviewing your options in case there is a better option available to you in the market to support your mortgage needs.

Why should you remortgage?

While most people remortgage to switch their mortgage deal and save money, there are a number of other worthy reasons why you may want to consider switching products or lenders: • You might want to take advantage of lower interest rates, meaning you’ll be paying less interest on your mortgage moving forward.

• Maybe you want to switch from an interest-only mortgage to a fixed rate repayment mortgage. Interestonly mortgages are where you pay off the interest, but not the loan. With a fixed rate repayment mortgage, you pay interest and the loan, and the interest rate remains the same throughout the term (versus a variable rate mortgage, where the interest rate can change). • You might want a more flexible mortgage deal that allows you to make overpayments (additional payments above your monthly mortgage payment) without penalties. • Or you might want to unlock the equity in your property, meaning you benefit from the increased value of your home by releasing cash and taking on a new loan.

Getting ready to remortgage

it’s important to be proactive and make sure you’re in the best position when it’s time to remortgage. Here are our essential remortgaging tips!

1. Start the remortgage process 3-6 months before your current deal ends

Getting the ball rolling now by speaking with a Tenet&You adviser ahead of your mortgage expiring, will help you secure your new deal in good time and prevent you from defaulting to your lender’s likely more expensive standard variable rate (SVR).

It’s worth noting that at Tenet&You we have access to mortgage deals from 80+ lenders, as well as products not always available to high street lenders to help you secure the best deal for you.

2. Check your credit score before lenders do

You should always be mindful of your credit score, as lenders will often turn to credit reference agencies to assess your financial history. As such, it’s important to be aware of your position ahead of securing your new mortgage and make sure it’s as you would expect before a lender checks it.

3. Find out how much your home is worth now

Your home might have gone up or down in value since you bought it, so it’s good to know how much it could now be worth, as you will get a better mortgage deal if you have more equity in your home. Equity is the value of your home minus how much you owe on your mortgage.

4. Self-employed? Struggling to prove your long-term income?

If you’re self-employed or would struggle to prove your long-term income – perhaps you’ve worked abroad or you are on a temporary contract – then getting a mortgage can be more challenging. You’ll need to demonstrate the performance of your business and will need to share your business accounts, tax returns and net profits for instance. Our mortgage advisers can readily support you as they know which lenders require what evidence.

5. Sort your paperwork to speed up the process

Don’t forget you need to provide the necessary paperwork and evidence you supplied when arranging your last mortgage, so it’s good to have this readily available for your adviser. Typically, you’ll need to supply the following: • Your last three months’ bank statements

• Your last three months’ pay slips • Your last three years’ accounts/tax returns (if self-employed) • Your latest P60 tax form (showing income and tax paid from each tax year) • ID documents (usually a passport) • Proof of address (eg, utility bills or credit card bills)

Talk to an adviser

For advice on remortgaging or any other mortgage related queries, simply get in touch with the Tenet&You team to arrange an appointment with one of our advisers, who will take the time to understand your objectives and advise you on the course of action most appropriate for your circumstances.

You can reach us by calling 01772 787011 or come and visit us in person at Tenet&You, 327 Garstang Road, Fulwood, PR2 9UP.

Alternatively, you can also find out more about Tenet&You on our website, www.tenetandyou.co.uk.

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.