Mortgages, Money & More: Recent Episodes
Craig Skelton
Craig Skelton, principal and founder of CS Mortgage Solutions and CS Retirement solutions talks you through Mortgages, Money and More!
Jess Edwards from CS Mortgage Solutions talks all about the process of getting a mortgage if you work for the NHS.
Marty Naan, Mortgage and Protection Advisor at CS Mortgage Solutions is back on the podcast to tell us all about our Remortgage options.
Jamie Benn is back on the podcast to talk us through all we need to know about saving for a pension in 2023.
Marty Naan, Mortgage & Protection Advisor at CS Mortgage Solutions is back on the Mortgages, Money and More Podcast to bring us an update on the First Time Buyers market 2023, including which schemes to watch out for and tips on strengthening your mortgage application.
Jess Edwards, Mortgage and Protection Advisor at CS Mortgages returns, this time to talk all about mortgages for contractors.
Jess Edwards, Mortgage & Protection Advisor joins the podcast to explain how the mortgage process works for the self-employed.
Marty Naan, Mortgage and Protection Advisor at CS Mortgages, returns to the Mortgages, Money and More Podcast to cover income protection - the last out of a series of three mortgage protection episodes.
Marty Naan, Mortgage and Protection Advisor at CS Mortgages is back, following his episode on life insurance, to tell us all we need to know about Critical Illness Cover.
Marty Naan, Mortgage and Protection Advisor at CS Mortgages talks all about life insurance, the first policy in a series of three episodes.
Craig Skelton returns to the Mortgages, Money and More podcast to share his tips on ways you can protect your money during the cost of living crisis.
Mark Thompson returns to the Mortgages, Money and More Podcast to discuss the impact of the cost of living crisis and why there have been an increase in the number of over 50s considering to downsize or release equity as a result of this.
Talking points:
"One in six over-50s plan to downsize or release equity during cost-of-living crisis" - Survey by the Financial Reporter -
Why is this?
Is downsizing and releasing equity the only option for over 50’s?
Should I downsize/release equity in the current climate?
What lending options are available to older borrowers?
Preparing your pension as early on as possible.
How can an equity release advisor help?
Jayne Kelly, Mortgage and Protection Adviser and Wills and Estate Planner explains how Will Writing works.
Jayne Kelly from CS Wills and Estate Planning busts some common myths surrounding Wills.
Craig Skelton is joined by retired Doctor and Mortgage Advisor at CS Mortgage Solutions, Peter Tytler to find out about his Homefinder service, designed to help clients throughout the whole house buying process.
In this week's solo episode, Craig discusses the five reasons why you should create a financial plan with your partner.
Craig Skelton and this weeks guest, Wills and Estate Planner, Jayne Kelly explain everything we need to know about estate planning.
This week Craig is joined by resident Financial Adviser, Jamie Benn to explain what happens to your pension when you die.
On this week's mini episode, Craig Skelton takes us back to basics, providing a thorough recap and update on home insurance, and explains why it is a good time to review your policy.
Craig Skelton is joined by resident Equity Release Specialist, Mark Thompson to discuss all the changes happening in the current mortgage market, including equity release, the mini budget, inflation, interest rates, and what this all actually means.
Craig Skelton is joined by resident mortgage broker, Anthony Randall to discuss the importance of getting your credit file.
In this week's solo episode, Craig Skelton explains the differences between investing and saving your money.
On this week's episode Craig Skelton and Mortgage Broker, Antony Randall answer the most commonly asked questions surrounding the SVR.
Craig Skelton and Mortgage Broker, Antony Randall discuss the current mortgage market including, the media and scaremongering, lenders and rates.
In this week's solo episode, Craig shares his expertise on planning for a comfortable retirement.
In this week's solo episode, Craig Skelton looks at 10 ways you can reduce your tax bill, to help make your money go further.
In this week's episode, Craig Skelton and Resident Financial Advisor, Jamie Benn take a look back on key events that have happened in the last 12 months, which have impacted the market.
In this week's, solo episode, Craig Skelton talks all about the importance of protection insurance, explaining the three main types: Income Protection, Life Insurance and Serious and Critical Illness Insurance.
Craig Skelton is joined by regular guest and Equity release Specialist, Mark Thompson to bring an update on the current market.
Craig Skelton and regular guest and Financial Advisor, Jamie Benn talk all about the options you have when investing for your child's future.
In this week's mini episode, Craig Skelton talks all about the benefits of teaching children the value of money.
In this week's, mini solo episode, Craig Skelton shares hints and tips for First Time Buyer's saving for a deposit.
On this week's episode, Craig Skelton is joined by not one but two guests, including Mortgage Advisor, Michelle Costello and Financial Advisor, Jamie Benn to talk about life after divorce.
This week Craig Skelton is joined by resident guest and Equity Release Specialist, Mark Thompson to discuss the number one question: Why Has Equity Release Got A Bad Name?
Join Craig Skelton and regular show guest, Jamie Benn in marking the podcast's 100th episode! This weeks focus is all about what to expect when meeting and working with your Financial Advisor.
Craig Skelton is joined by Business Protection Specialist, Michelle Costello to talk all about Shareholder Protection, the third and final in a series of protection episodes.
In this week's episode Craig Skelton is joined by regular guest and Equity Release Specialist, Mark Thompson to discuss the pro's and con's of downsizing.
Craig Skelton is back this week with another mini, solo episode, this time sharing his expertise and useful tips on things to avoid when investing.
In this week's mini, solo episode, Craig Skelton talks all about the importance of pension planning for the Self-Employed.
On this week's episode, Craig Skelton is joined by Equity Release Specialist and regular guest, Mark Thompson to talk all about what types of property are suitable for equity release.
Craig Skelton is back with another mini episode, this time talking all about why investing money is more effective than saving.
In this weeks mini, solo episode, Craig Skelton tell us all we need to know about Value Added Services.
On this week's episode, Craig is joined by first time guest and mortgage expert, Marty Naan to discuss the recent interest rate rises, and how this might affect your mortgage.
Craig is joined by regular guest and Equity Release Specialist, Mark Thomson to discuss why a record number of people are now releasing equity release from their home.
In this weeks mini, solo episode, Craig talks all about the benefits of having income protection.
Craig is joined by Financial Adviser and regular guest, Jamie Benn to talk all about inflation. They go back to basics and discuss what's happening within the markets now, including the rising living costs and what the future might look like.
Craig is joined by Equity Release Specialist and regular guest, Mark Thompson to discuss equity release and making partial payments.
Craig's guest on the Mortgages, Money and More Podcast this week is Business Protection Specialist, Michelle Costello to explain Key Person Protection - what this is and how it works and benefits businesses.
In this mini, solo episode, Craig talks all about online trading - What this is and how it works, sharing his expertise and top tips.
Craig's guest this week is Richard Jubb, Business Owner at Breathe Mortgages to discuss remortgaging your Buy to Let property.
Craig is joined by returning guest and specialist adviser, Michelle Costello to talk all about mortgage capacity reports.
Craig is joined by regular guests and Financial Advisers, Jamie Benn and Jason Murgatroyd to discuss the volatility in the markets given the current climate, sharing their thoughts and expert advice during these trying times.
Craig Skelton and regular show guest, Mark Thompson get back to basics with equity release.
In this episode, Craig, Jamie and Jason are back by popular demand, to continue their discussion on pensions. This time their focus is on when you should be thinking about investing in your pension pot.
Craig is joined by Business Protection Specialist, Michelle Costello for the second time on the podcast, to discuss Relevant Life in more detail.
Craig is joined by regular guests, Jamie Benn and Jason Murgatroyd to bust some common myths surrounding retirement.
Craig is joined by mortgage broker, and business protection specialist, Michelle Costello to give an overview of business protection and breakdown the four key policies.
Craig Skelton is joined by regular guest and Financial Adviser, Mark Thompson to discuss why more people are using equity release to fund day to day living.
In this solo episode, Craig explores some of the ways to navigate the complexities of inheritance tax, following the affects of the Covid19 pandemic.
In this mini episode, Craig shares a number of key tips and advice on preparing for retirement.
In this mini, solo episode, Craig shares his expertise on how ISAs work, explaining what they are and the different types available.
In the first episode back of the new year, Craig chats to experienced Mortgage Adviser and First Time Buyer expert, Jess Edwards, providing an update on the housing market and sharing hints and tips on getting a mortgage and onto the property ladder in 2022.
In the last episode of the year, Craig and Mark reflect upon the equity release market over 2021, cast their predictions for 2022 and wish everyone a happy and healthy New Year!
Craig and Jason reflect on the past financial year, look positively ahead to 2022 and wish everyone a Merry Christmas and a happy New Year.
In this episode, Craig is joined by Financial Advisers and regular guests, Jason Murgatroyd & Jamie Benn to discuss the four key things to avoid when investing.
Craig is joined by Equity Release Specialist and regular guest, Mark Thompson on the Mortgages, Money and More Podcast, to discuss switching equity release products as a money saving option.
In this mini, solo episode, Craig discusses all you need to know about consolidating your pensions.
In this solo episode, Craig talks all you need to know about specialist mortgages with particular focus on holiday lets.
In this episode, Jason Murgatroyd, Financial Adviser and regular guest stands in as host with Financial Adviser Jamie Benn to discuss COP26 and climate change and the potential impact this might have on the future of the financial world.
In this solo episode, Craig explains the ins and outs of income protection including, what this is, how it works and who could benefit from the policy.
In this episode, Craig is joined by Equity Release specialist and regular guest, Mark Thompson to discuss how the over 65s property wealth has grown during the pandemic but particularly over the last six months.
Craig is joined by Financial Adviser and regular guest, Jason Murgatroyd to discuss their thoughts on this year's second budget announcement.
In this bitesize episode, Craig recaps on the Bitcoin and Cryptocurrency craze, following his in depth conversation with regular guest, Jason Murgatroyd in July.
This week, Craig is joined by Financial Adviser and regular guest, Jason Murgatroyd to discuss Attitude to Risk (ATR): What does this mean and what are the implications?
Craig is back with another bitesize episode but this time he is helping you get the best out of your Buy to Let Mortgage.
Craig is joined by Equity Release Specialist and regular guest, Mark Thompson to discuss how and why people are using equity release to fund everyday living.
In this bitesize episode, Craig provides a 'remortgage reminder' including, what this means, what happens if you don't remortgage and the options available to you.
Regular guest and Financial Adviser, Jason Murgatroyd joins Craig on the Mortgages, Money and More Podcast once again but this time to discuss transferring investments under management.
In this bitesize episode, Craig discusses the future of self-build homes following a recent report.
Craig is joined by regular guest and Equity Release Specialist, Mark Thompson to discuss the rising trend of people over the age of 55 using Equity Release to buy their new homes.
In this bitesize episode, Craig discusses the concerns surrounding the rise in inflation following the easing of lockdown and the effect this might have on the financial market and economy.
In this bitesize episode, Craig discusses Offset Mortgages: What these are, how they work, who they are for and much more.
In this bitesize episode, Craig discusses the importance of accidental damage on your home insurance.
Craig is joined by Equity Release Adviser, Mark Thompson to discuss a recent study that reveals 90% of customers would recommend Equity Release to family and friends.
In this episode, Craig is joined by regular guest, Jason Murgatroyd to discuss the following:
What is Cryptocurrency? What are the benefits of investing Cryptocurrency? What are the risks? What are the alternatives?
In this bitesize episode, Craig explains what a green mortgage is, which lenders offer them and how you can get one.
In this bitesize episode, Craig discusses the ever so popular question that is, "Is Equity Release Right For Me?"
In this solo episode, Craig talks us through the stamp duty extension, the tapered effect, and what this means for people who haven't completed by the deadline.
Craig is joined by regular guest, Jason Murgatroyd, Financial Adviser at CS Retirement Solutions to discuss financial advice fees, including what these are, why they are charged, and when and how they are charged.
In this bitesize episode, Craig brings you a complete update on the current housing and mortgage market and what this means for First Time Buyers and Homemovers looking ahead to the rest of year.
Craig is joined by regular guest, Jason Murgatroy, Financial Adviser at CS Retirement Solutions to discuss why people might be faced with a tax bill from their pension pot.
In this episode, Craig is joined by Jamie Ben, Mortgage Adviser at CS Mortgage Solutions who is back on the podcast, this time to discuss new build mortgages. With helpful tips and advice for First Time Buyers.
In this episode, Craig challenges regular guest and Equity Release Specialist, Mark Thompson at CS Retirement Solutions to bust some myths surrounding the controversial subject.
In this episode, Craig is joined by Financial Adviser, Jason Murgatroy to discuss pension freedom and the options available to you at retirement age.
In this episode, Craig is joined by regular guest and Equity Release Specialist, Mark Thompson to discuss Downsizing Protection with Equity Release.
In this episode, Craig is joined by first-time guest, Mortgage Adviser, and experienced landlord, Richard Jubb to discuss investing in Buy to Let mortgages.
In this episode, Craig is joined by regular show guest, Equity Release Specialist, Mark Thompson to discuss Inheritance Protection when taking out a Lifetime Mortgage or taking out Equity Release.
In this episode, Craig welcomes back Jason Murgatroy and Shamraze Ahmed on the show to discuss pensions for the Self-Employed. Including, why pensions are so important for the Self-Employed, advice on how to set this up, and lots more!
In this episode, Craig is joined by Equity Release Specialist, Mark Thompson to discuss how you can purchase your new home using equity release.
Craig is joined by Mortgage Adviser, Jamie Ben for a second time to discuss the new Help to Buy Scheme, what this is, how it differs from the previous one, and clamp down on any confusion surrounding 95% mortgages.
In the final part of a two-part episode, Craig and his guest, Mortgage Adviser, and Dog lover, Amy Wilson continue their conversation on the differences in the role of a Highstreet Bank Adviser and Mortgage Broker.
In part one of a two-part, animal-friendly episode, Craig is joined by Mortgage Adviser and Dog lover, Amy Wilson to discuss the differences between going to your local high street bank and Mortgage Broker during the mortgage customer journey.
In this episode, Craig is joined by Mortgage and Protection Adviser, Jamie Ben for his first feature on the show and to discuss the return of 95% Loan To Value Mortgages and what this means for First Time Buyers and Home Movers.
In this episode, Craig is joined by Commercial Finance Specialist, Michael Tyson as they share their experience and knowledge of working with Bridging and what this is, covering both the commercial residential side of the topic.
In this special bonus episode, Craig is joined by Financial Adviser, Jason Murgatroy to discuss all the key points surrounding the highly anticipated budget announcement, in relation to the mortgage and housing market.
In this episode, Craig talks to Equity Release Adviser, Mark Thompson about the Bank of Mum & Dad (and Grandparents!), what this is and how it works, the facts and figures, and much more!
Join Craig and Mortgage and Protection Adviser, Franco Carpenelli for another episode as they discuss the effects Covid has had on the mortgage market so far, with a look ahead to the budget announcement and more!
In this episode, Craig is joined by Business Manager of Hunter's Estate Agents Sunderland and Author of Sunderland Property Blog, Chris Kelly as they give an overview of the house market in Sunderland. Pact full of updates and advice for homemovers!
In this episode, Craig is joined by Mortgage Adviser, Matt Taylor to discuss the options available if you want to buy your new home before you sell your existing one.
In this episode, Craig is joined by industry specialist, Mike Tyson and they explain all that you need to know about commercial finance, products on offer, and provide helpful advice.
In this episode, Craig and Mark catch up and discuss the effects lockdown has had on the equity release market.
In this episode, Craig and Jason discuss predictions for the mortgage market for 2021 including stamp duty and house prices.
In this episode Natalie and Craig discuss business protection. What it means and how it works.
In this episode Jason Murgatroyd takes over and fills Craig's shoes - filling you in on all things financial for the first podcast of 2021.
In this episode Craig mixes up the normal format to speak to Shanine one of CS Mortgage Solutions clients to share her recent experience of being a home mover.
In this episode Craig and Joanne discuss your credit report, what it looks like and how to read the information ahead of applying for a mortgage.
In this episode Lisa and Craig discuss the different ways that people can have 'Bad Credit' and what you can do to improve your chances of getting a mortgage.
In this Episode Craig and Jayne discuss what is an LPA and why it is important to have one in place.
In this Episode Craig and Angela discuss the viewing houses part of the First Time Buyer Process.
In this episode Angela and Craig discuss the best steps to making your first home purchase and mortgage application stress free. Speaking to an adviser can help.
In this episode we talk to Matt Taylor about the Buy to Let Market. How lenders will assess your affordability on a rental property and the first stages of the Buy to Let Process. Ass there is so much to tell you this is Part A of the discussion. Look out for Part B coming soon.
In this episode we will be discussing how you can plan for the longer term at a difficult time - Whilst going through or thinking about a divorce.
In this Episode Craig and Natalie discuss Home Moving. How Stamp Duty Holiday and Covid has had an impact. What is the process?
In this Episode Craig and Lisa talk about what remortgaging means and the things you need to be aware of.
In this Episode we talk about investments, the different types available and when is a good time to invest.
In this episode we speak to Jason Murgatroyd about Interest Only Mortgages. The pros and the cons. How can Interest Only Mortgages work for you?
In this episode we talk you through the options that you have with the 'Help to Buy Scheme'
What insurance do you need for your mortgage? There are four main types of protection that you need to consider when it comes to your mortgage.
Buildings and contents insurance Income protection Critical illness cover Life insurance
Join us as we talk you through the ins and outs
ISA, standing for individual savings account is essentially a tax wrapper, so think of it like a jacket for your account. If your money is sat in an account, with whatever the underlying investments may be, an ISA can surround this money like a tax efficient jacket. With this jacket, anything within the account grows tax free - meaning any investment gains and growth are completely free of tax, any gains in stocks and shares are free of capital gains tax and any withdrawals are tax free.
Simply put, an ISA is a tax free savings account.
Equity release is the process that allows homeowners to take out the equity in their property in order to assist with income or capital needs. If you are looking into equity release as an option to release some cash, there are two main options you need to consider.
A lifetime mortgage is a form of equity release where you take out a loan secured on the property but you still retain ownership of the house and can remain living there. The loan amount then only has to be paid back when you pass away or you go into long-term care.
The second type of equity release is a home reversion plan. A home reversion plan differs from a lifetime mortgage because it’s not a loan. Essentially, you sell all or part of your property to an equity relief provider in return for cash in a lump sum or through regular payments. You can live in the property until you die, under the condition that the property is fully taken care of. If you are looking into equity release but still want to retain a percentage of ownership in the property, you can ring fence a percentage (which won’t change, even if the house value increases or decreases) then when it comes to selling the house, the funds are split according to the levels of ownership between you and the equity relief provider.
The main purpose of equity release means you retain the right to stay in your home until you die or go into long term care. All of our products are governed by the equity release council and we have what’s known as no negative equity guarantee - which means you’ll never end up owing more than the property is worth.
As advisers, we generally focus on lifetime mortgages as a form of equity release.
Our guest today is Natalie Thompson. She's a mortgage adviser at CS Mortgage Solutions.
We're going to talk about the differences between using a mortgage broker and going direct to your bank.
Natalie got into the role of being a broker around five years ago, from an estate agency background, which she feels is vital to be able to do the role.
Welcome to the first and hopefully not the last mortgages, money and more podcast. Today, we're going to talk about retirement planning.
I don't think anyone has ever woken up and thought, you know what, I need to sort my pension out today. It is generally on most people's To-Do list, but often that job that you never seem to get around to. It's not the most exciting thing in the world, is it? So let's get back to basics.