October 2014

Applewood Cover Advert Final New.pdf 1 15/02/2013 17:33:54    

See what our customers are saying online at www.applewoodkitchens.co.uk and click on the testimonials tab.

• All work fully project managed from design to installation Showroom • All building works undertaken The Village, Moss End Garden Centre War eld, , RG42 6EJ • All flooring, tiling & decorating t: 01344 409560 • English & German manufactured kitchen furniture • All appliance brands, Siemens endorsed specialist Ascot Showroom 23 Brockenhurst Road, South Ascot • Every type of work top material Berkshire, SL5 9DJ • Fully fitted or ‘supply only’ service t: 01344 875426 • Free design and planning service including CAD Windsor Showroom • An unsurpassed reputation for quality and service Daniel Stores, 121-125 Peascod Street, Windsor, Berks, SL4 1DP t: 01753 841884

e: [email protected] Applewood do it all from Conception to Completion www.applewoodkitchens.co.uk

WWW.WORDMAG.CO.UK FREE 2 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 3  

                                 For further information:   

 Tel. 01344 444657 

Email   [email protected]  

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Publisher House Plans & The Word Ltd Architectural Drawings Printer We provide a complete design and plan- Warwick Printing Company Ltd ning service for householders who wish to improve or enlarge their homes.

We specialise in preparing plans for approval and will deal with all the paper- While all reasonable care is taken to ensure accuracy, the work. We will visit you to talk over your publisher cannot accept liability for errors or omissions relating to the adverts or editorials in this magazine nor for requirements, suggest design ideas to losses arising as a result. make your project a success and submit your plans for approval. No part of this publication may be reproduced without the permission of the authors as it is protected by copyright. We are also NHBC registered builders and have spent many years working The publisher does not endorse any product or service offered in this publication. ‘hands on’, building extensions and new homes, enabling us to bring a wealth of  practical experience to your project.  01189 122 319 free consultatio n  Good Developments Ltd [email protected] www.gooddevelopments.co.uk

2 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 3      

  • Car detailer     • Mobile service   • Interior and exterior    • Leather cleaned and conditioned   • Soft top cleaning    • One-off or a regular cleaning schedule   Please call to discuss your requirements   Andy Hillam  07957 435 213  01344 303 104  [email protected] 

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4 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 5 Tel: 01344 884844 | [email protected]

FERNBANK CARPET AND FLOORING LTD YOU CAN’T LOSE Our Price Promise! ESTABLISHED FOR 25 YEARS We guarantee that our prices will beat any genuine quote from any other shop or superstore without compromise.

• Carpets • Vinyl • Laminates • Real Wood • Karndean

VISIT OUR SHOWROOM 3 Royal Hunt House Fernbank Road, Berkshire SL5 8JR

OPEN: Mon-Fri 9am to 5pm Sat 9.30am - 2pm Closed Sunday

www.fernbank-flooring.co.uk

4 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 5 We Clean... CARPETS & UPHOLSTERY including Leather Cleaning Why spend good money replacing your carpets, when you can benefit from our Specialist Cleaning Service? Interiors Our truck mounted cleaning system offers Kitchen & Bathroom Installations superb deep cleaning, with Wood & Laminate Flooring extra fast drying facilities - General Carpentry not only reviving tired and stained carpets but making Tiling the service quick and Painting & Decorating convenient for you.

• Call TODAY for a FREE QUOTATION • All work FULLY GUARANTEED For a Local, Reliable • Friendly & experienced local company & Friendly Service

Tel: 01344 444903 Call Paul on Mob: 07734 206558 M: 07900 971783 E: [email protected] www.cleanercarpets.org W: www.hs-interiors.co Members of the NCCA and iicrc

Accounts giving you a headache? Ascot Accounts can help!

Contact us today for a free consultation! 07515 713665 [email protected]

Our credentials NEW Limited time offer ACA Qualified Accountants 10% discount for companies Specialists in small and start up businesses. incorporated in the last year

What we do Our talents include (but are not limited to):  Putting together annual and management accounts  Completing Tax and VAT returns  Creating forecasts and planning We are confident we can help you in all areas of finance.

“Ascot Accounts had a friendly, easy to understand approach and ensured we were up to date with all the latest regulations” Mark Shallcross SGP Distribution Ltd (November 2013)

6 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 7 Bowen Therapy Technique The Gentle Treatment... with a record of remarkable success for a wide range of problems is coming to Berkshire Therapy Rooms at Moss End Village in September 2014. What is Bowen Technique? Bowen is a gentle, hands on therapy which uses primarily fingers and thumbs to make small rolling movements over the body. We ask the body to change by allowing the body to rest for a couple of minutes in between moves and initiate the healing process. Bowen is suitable for everyone from the tiniest of babies to our fragile elderly. Why have Bowen Therapy? z Gentle and enjoyable to receive z Can be carried out through light clothing z Promotes a sense of well being z No awkward manoeuvres z We treat the person not the condition z Relieves stress z Promotes a better quality of life z Helps with pain throughout the body from migraines to back ache to plantar fasciitis and auto immune illnesses, such as Arthritis, Parkinson's and Fibromyalgia

Special Opening Offer 20% discount during OCTOBER at Moss End Village Taster Day Sessions £10.00 for up to 30 minutes For more information and to book an appointment, please call Lee on 07710722615 or E-mail: [email protected] or visit www.abalancedbodywithbowen.co.uk

Lee also treats in , Maidenhead, Windsor, Marlow and for those who are unable to come to her, she will come to you.

6 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 7

Julia Reading  BSc(Hons) Pod, MChS  REGISTERED PODIATRIST  CHIROPODIST   REFLEXOLOGIST    Re-wires Treatment for:    Fuse boards Consumer units Corns * Callous * In-growing Toenails *  Lighting points  Fault finding & repairs  Verrucae etc and general foot health  advice  

at  Maple Clinic 3 - 5 Horndean Road, Forest Park  Bracknell  Tel. 01344 862646   For an appointment phone:  0118 9394878 / 07746 472781 (please leave a message and I will contact you as soon as possible or early evening)

HOME VISITS AVAILABLE ON REQUEST

  



    

               

8 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 9

sports healer therapies at moss end village Steve Bolt Sports Massage/Therapy (Level 4 i.T.e.c) • Manipulative therapy (post graduate) pelvic/skeletal adjustments • Myofascial release (anatomy trains 1) • Myofascial taping (foundation level)

SportS maSSage / therapy • Deep tissue work in areas of pain/tightness • To relieve tension within muscular/fascia tissue and so relieve pain myofaScial releaSe technique • Releases tension held within the myofascial tissue of the body myofaScial taping • i nstant fascial release allowing improved range of movement and relief from pain and tension • Incredible results from the very first application • Although seen in the sporting world this therapy is ideal for anyone with pain and tension. • Headaches/neck pain/ shoulder pain/back pain and more relieved by myofascial taping

Contact: Mobile: 07891 425 865 or e-mail: [email protected] DiScounT in ocToBeR one therapist 4 therapies all used 20% to get you pain free!! For more info look at the website: www.sportshealer.com

8 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 9 Warfield Parish Council Parish Office: 7 County Lane, Warfield, RG42 3JP Telephone: 01344 457777 – email: [email protected] Twitter: @WarfieldPC – Facebook: Warfield Parish Council

Whitegrove Community Centre – Available to Hire Warfield Parish Council is delighted to announce that it has now taken over the management of Community Centre. The Community Centre, as many of you will know, is located on the Tesco site opposite Whitegrove Library. It is available to hire either on a regular basis or for parties at the weekend (Saturday and Sunday). For more information, to check availability, or to make a booking please contact the Parish Office.

Arts Week Family Fun – 26 October – 2 November (October half term) The countdown to the , Warfield & Arts Week has begun, with 2014 being the 10th anniversary of this festival of free events. The programme of events is now available to view on the Arts Week website www.arts-week.org, though bookings cannot be made until Monday 13 October.

It’s still not too late to enter the Arts & Craft Exhibition which will be held as usual in the Brownlow Hall, 31 October – 2 November. All work exhibited will be eligible for a prize and once again visitors to the exhibition can take part in a public vote to nominate their favourite artist. This year’s community mural, which will mark the centenary of the outbreak of the First World War with panels depicting what life was like back at home in ‘blighty’, will also be on display. To enter your work in the Exhibition please visit www.arts-week.org.

Warfield’s Annual Gardening Competition – The Winners We are delighted to announce the winners of our annual gardening competition. The winners will receive their prizes and certificates at a presentation on 22 October.

Best front garden (individual) – 28 Shakespeare Way Best front garden (organisation) – Whitegrove Primary School Tallest sunflower (adult) – Warfield Grow and Share (height 3.10m) Tallest sunflower (child) – Charlotte and William Drage (height 3.40m)

We were again very impressed with the standard of entries – the sunflowers were particularly tall this year – and we are already looking forward to 2015.

Parish/Borough Councillor Surgeries The Parish Council holds monthly surgeries in the Parish Office to enable residents to discuss their issues with Parish and local Borough Councillors. The next two surgeries are on Tuesday 4 November, 6pm – 8pm, and Saturday 6 December, 10am – 12 noon. No need to book – just pop in at a time to suit.

10 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 11

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10 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 11 Richard J. Milam

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0 l 1 r ti £ fo r n 4 f e u 1 f b d 0 o o li 2 t a r c v e O r b e to h c c O u f o o V d n TIFANIE WENTZELL e QUALIFIED REGISTERED HOLISTIC THERAPIST VTCT Dip Monday to Sunday 10.30 am - 8.30 pm

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1 hour Therapeutic Full Body Massage £35.00 45 mins Back, Neck, Shoulders and Face £30.00 45 mins Indian Head Massage £30.00 1 hour Hopi Ear and Face Massage £30.00 1 hour Reiki Treatment £30.00 1 hour Thai Foot Massage £35.00 1 hour Reflexology £35.00 1 hour 15 mins Hot Stones, Full Body £45.00 45 mins Hot Stones, Back, Neck and Shoulders £37.00 45 mins Bio Energiser D-tox Foot Spa system £25.00 1 hour Lomi Lomi Full Body Massage £40.00 Appointments only. Fully insured. Cash or cheques only. Easy parking. GIFT VOUCHERS AVAILABLE

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12 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 13

                                                 

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12 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 13

 CARPENTRY   DECORATING

•  All aspects of Carpentry and •  Joinery

•  Fitted Kitchens, Wardrobes, •  Radiator Covers •  Laminate and Solid Wood Flooring,  Decking   Interior and Exterior Decorating

 29 YEARS EXPERIENCE   CITY AND GUILDS  Call Mark: 01344 451995 07710 324954

Sudoku

9 87652 How to Play

Fill in the grid so that 37 every row, every col- umn, and every 3x3 3 169 8 box contains the digits 1 through 9, with no repetition! 7 9 5 That's all there is to it.

8 4 You solve the puzzle with reasoning and 47 5 logic - there’s no maths involved and no adding up. 3 8 7 4 5 It's fun. It's challeng- 51 ing. It's addictive! 94752 8 (solution on page 26)  14 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 15         •  •  • •   • •    •  •  •  •    •  •   •   •   •  •   •   •   

Woodchips COMPETITIVE Tree surgery PRICES

Family run business in , Bracknell Fully Insured • NPTC Qualified• 10+ years experience

• Tree felling, reducing, reshaping and maintenance FREE • Stump grinding QUOTATIONS • Hedge trimming and maintenance AND • Wood chippings and logs for sale ADVICE • All green waste recycled

01344 425733 or 07867 523823 [email protected] www.woodchips.org.uk

14 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 15 www.kynochvets.co.uk Caring for your Pets

 Unique Loyalty Reward Card  Convenient free parking  Earn points on every transaction  Extended opening hours  Redeem your points &  24 hour emergency cover get money off your next bill  Friendly, dedicated staff  Exclusive promotions on routine  Free nurse clinics healthcare items like wormers, flea treatment and more... FRIMLEY WOKINGHAM 01252 836699 01344 774314 0118 979 0551 103 Frimley Green Rd, GU16 6JX 51 Dukes Ride, RG45 6NE 156 Barkham Road, RG41 2RP

YATELEY HARMANS WATER 01252 873569 01344 456033 01344 421200 Forge Court, Reading Rd, GU46 7RX The Green, Rectory Lane, RG12 7BG Ralphs Ride, Bracknell, RG12 9LG

16 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 17

Are you fed up with not feeling quite right? Are you tired of it! Have you thought about trying a complementary treatment? Therapies are not to be under estimated! Suitable for all physical, AND physiological ailments. Or why not come and learn about Energy & how it affects you in your day-to- day life at one of our introductory experiential workshops.

Why not experience a taster of Pranic Healing at our drop in Healing centre on Saturday October 11th 2-4pm @Westmorland Park Pavilion. Contact Cleo for a one-to-one treatment or for more info, or see our Google calendar on our website for up and coming events.

pranichealingwarfield @cleorodd [email protected]

  -              

     

16 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 17

Parks and countryside

events programme

Discover the Countryside www.bracknell-forest.gov.uk/walking

For more information please call the Rights of Way Ranger on 07776 160812 Tuesday, 14 October – up to 4 miles (1 3/4 hours) 10:30am The Winkfield Circuit Meet: St Mary’s Church, Winkfield. Map Ref: 904 725

Monthly walks with the Rangers

Wednesday, 8 October - 1 Hour (1 to 2 miles), 10am Exploring South Hill Park Meet: Courtyard in front of Arts Centre reception, Ringmead, Bracknell RG12 7PA.

Other Events

Wednesday, 15 October, 12.30pm – 1.30pm Lunchtime Wildlife Walk at Bill Hill. Take a 2km ‘autumnal’ woodland walk and find out about the important work carried out by invertebrates beneath your feet. Meet: Outside Time Square, Market Street, Bracknell, RG12 1JD.

Friday, 17 October, 6.30pm – 8.30pm Astronomy Evening at South Hill Park. An evening of talks and telescopes giving you the opportunity to learn more about the night sky in a hands-on way. With thanks to Reading Astronomical Society. Bring: Your own telescope (optional). Event will go ahead regardless of weather conditions. Meet: Courtyard in front of South Hill Park reception. Cost: £2. Booking required (tel: 01344 416235).

Monday, 20 October, 8pm - 10pm Fungus Evening at South Hill Park. Please check www.bfnathistsoc.org.uk for further details nearer the time. Meet: Recital Room, South Hill Park. Cost: Visitors £3. Members £1.

Tuesday, 28 October, 1pm – 3pm Fungal Foray at Lily Hill Park. Experience the amazing world of fungi with an expert from the Thames Valley Fungus Group. Meet: Car park, off Lily Hill Road. Cost: £2. Booking required.

Wednesday, 29 October, 10am – 12noon WildOnes: Kids Camera Club at Lily Hill Park. Come and learn how to use your camera to capture autumn colours at Lily Hill Park. Best suited for children 6 yrs+ with parental supervision. Bring: A digital camera. Meet: Car park, off Lily Hill Road. Booking required.

Thursday, 30 October, 2pm – 4pm WildOnes: Bats are Brilliant at Jocks Lane, Bracknell. Lots of batty crafts to make and take away with you, including kites and puppets. Best suited for 5 – 11 year olds. Meet: Copse Suite, Jocks Lane Recreation Ground, off B3018 Binfield Road, Bracknell, RG12 2BH. Cost: £4 for materials. Booking required.

Please pre-book all events where stated by contacting The Look Out Discovery Centre on 01344 354400 / 354441 or call in at reception (open 10am to 5pm) to record your contact details.

18 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 19   

   

 

   

 

Chris MacGowan

CM

Reiki works by balancing your energy system, releasing stress, soothing pain and promoting your body’s ability to heal itself.

Relaxing, non-invasive treatments in private surroundings, specifically tuned to enhance the Reiki experience, providing benefit on physical, mental/emotional and spiritual levels.

- Reiki Treatments - Reiki Tuition - Reiki Shares - Massage with Reiki - Crystal Healing - Hopi Ear Candles - Mediumship workshops - 1 to 1 Readings - Meditation Classes - Esoteric Healing - Buddhist Meditations CM 18 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 19 20 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 21

D B Roofing

Accomplished Craftsmen with a wealth of experience

♦ Tiling and Slating Don’t DIY ! Let me Do It for You. ♦ Lead Work

♦ Flat Roofs  ♦ Re-Roofs  ♦ Re-Pointing   ♦ General Roof Maintenance  ♦ Fascias, Soffits & Guttering  ♦ Free Estimates  ♦ All Work Guaranteed  Call for a friendly and  affordable service on:  01344 453732 Tel: 01344 442 641 Mbl: 07720 29 55 29 07799 037866 Shropshire Gardens, WARFIELD.

FREE MEMBERSHIP AND FREE FIRST CLASS

MONDAY WEDNESDAY Whitegrove Primary School Community WEIGH AND GO, WEIGH AND EXERCISE OR EXERCISE ONLY Westmorland Drive, Warfield, Centre, Opladen Way, Bracknell, RG42 3 QS Bracknell, RG12 0PE 6.30pm – 8.00pm 9.45am – 11.00am

St Michaels Church, Church Community Lane, Warfield, RG12 2SW Centre, Turnpike Road, 8.15pm – 9.15pm (Men Only) Bracknell, RG42 1FJ 6.30pm – 8.00pm TUESDAY 8.00pm – 9.00pm (FitMix) Community Centre Leppington, Bracknell, RG12 THURSDAY 7WW Birch Hill Scout Hall, 9.30am – 10.30am Leppington, Bracknell, RG12 7NF Braybrooke Community Hall 10.15am – 11.45am Makepiece Road, Bracknell, RG42 1AA 6.15pm – 7.45pm Holly Spring Infants School, RING, EMAIL, TEXT OR FB MESSAGE TO BOOK YOUR PLACE 8.00pm – 8.30pm (HiiT, 4 Lily Hill Road, Bracknell, RG12 week course) 2SW 6.30pm – 8.00pm TELEPHONE 07542 170 427 EMAIL [email protected] BOOT CAMPS, CIRCUITS, KETTLE BELLS, HIIT EXTREME

Find us on http://www.facebook.com/theactiveweigh COURSES RUN THROUGHOUT THE YEAR

20 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 21 22 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 23 Warfield Plumbing & Heating Ltd   32 years experience, family company  Small to large jobs, from tap washers to bathroom installations 

Boiler Servicing 

Central Heating Breakdowns 

Power Flushing 

Landlords’ gas safety certificates 

Fully insured, free quotes given 

01344 487851  07798 694403   

  No callout charge 

22 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 23                    

24 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 25

Carpenter Specialist in domestic carpentry works such as: • Kitchen modification or complete replacement • Fitted wardrobes and bedroom furniture • Home offices • Custom made furniture • Internal doors • Building 'Self Assembly' furniture … and the 'DIY' you hate to do! Graham Taylor

Mobile 07802 262555 Binfield 01344 423657

[email protected]

Half price… or 50% OFF HALF Whichever way you look at it, World Wide Carpets 50% has a great deal for you this Autumn. PRICE We have one of the best selections of carpets, rugs, vinyl, wooden or OFF laminate fl ooring in Aldershot, Ascot and the surrounding counties. We also Carpets have an unsurpassed reputation for quality, service, value and great advice. Vinyl

RING EXPER O TS LO I F N Now, you can get a massive S Laminate N I E Underlay S R T V AT WORLD WIDE R I C E E P

X Rugs 50% OFF selected lines with CARPETS WE E Wood this voucher… but for a limited HAVE IT COVERED period only – including all underlay*

*50% saving applies to a selected range of products and all underlay, until 31st October 2014 inclusive. Offer not available with other promotions. ✂ Visit us to fi nd out more www.worldwidecarpets.co.uk Present this voucher to claim 50% off selected lines carpets, rugs, vinyl, laminates, wood and underlay. ALDERSHOT ASCOT % VOUCHER North Lane, Aldershot, Hampshire, GU12 4TD 3A Rise Road, Sunningdale, Ascot, Valid until 31st October 2014. OFF Not valid with other promotions. Tel: 01252 322 254 Berkshire SL5 0BH 50 or 01252 320 375 Tel: 01344 870015 North Lane, ALDERSHOT, Hampshire, GU12 4TD. Tel: 01252 322 254/320 375 • 3A Rise Road, Sunningdale, ASCOT, Berkshire SL5 0BH. Tel: 01344 870015 TW-09-14 24 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 25 

Crimestoppers 0800 555 111 Gas Emergency 0800 111999 (Anonymous freephone number) Electricity Emergency 0800 404090 101 Water Emergency 0845 2780845 (Non-emergency number) Emergency 999 ChildLine 0800 1111 Samaritans 0845 7909090 Council 01344 352000 DrinkLine 0800 9178282 (Customer Services) Bracknell Town Council 01344 420079 Binfield Parish Council 01344 454602 National Rail Enquiries 0845 7484950 Warfield Parish Council 01344 457777 Gatwick Airport 0844 8920322 Winkfield Parish Council 01344 885110 Heathrow Airport 0844 3351801

NHS help & advice 111 Heatherwood Hospital 01344 623333 South Hill Park 01344 484123 Royal Berkshire Hospital 0118 3225111 Bracknell Leisure Centre 01344 454203 Wexham Park Hospital 01753 633000 The Look Out 01344 354400

Sudoku Solution

194387652 286495137 753216948 6 3 1 8 7 4 2 9 5 825963714 479152863 3 6 8 7 4 9 5 2 1 512638479 947521386

26 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 27

 

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   

  

               -     Need to improve your sleep?

Good quality sleep is vital to our health and well-being. Lack of sleep affects many areas of our life and often results in us becoming anxious, short tempered, lacking in energy and motivation, even exhausted. It can affect our ability to cope with life. Inability to sleep can become an obsession, thus exacerbating the problem. Short periods of sleeplessness can affect us all, however, if it continues serious health and social problems can result. Tackling sleep difficulties at the earliest opportunity helps to stop them becoming overwhelming. Solution Focused Hypnotherapy is effective in reducing difficulties which can lead to sleep disorders and work towards restoring good sleep patterns. Contact Lisa Wade at Mindful Solutions Hypnotherapy on 07547 193 555 for a chat to see how hypnotherapy could benefit you. www.hypnotherapybracknell.co.uk

26 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 27 

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 

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



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  -                 

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Update from Romans...

How to prepare for your next mortgage application

Earlier in the year the Mortgage 4. Be aware of the time Market Review (MMR) reforms 5 Steps To Your constraints came into effect. The reforms Next Mortgage involve lenders conducting Since the reforms were launched thorough screening processes Application there have been considerable delays to double check borrowers can across the market. Therefore, it’s defi nitely afford the mortgage better to start the process sooner Get advice early. repayments. 1 rather than later. Romans Mortgage Services advisers 5. Get the right advice, the fi rst offer advice on how to prepare for 1 time your next mortgage application: It’s important to apply for your 1. Ask for advice early Cut spending. mortgage with the right lender the 2 fi rst time. Each failed application The earlier you speak to a mortgage can affect your credit rating, which adviser the better as they guide might have an impact on future you through the entire mortgage applications. application process as well as providing you with an idea of how Find out more and book an much money you are able to borrow, Look at the market. appointment with a Romans based on your monthly income and 3 Mortgage Services adviser at your outgoings. local Romans branch: romans.co.uk/mortgages. 2. Stop any unnecessary spending Your home may be repossessed If you’re starting to think about if you do not keep up repayments applying for a mortgage, or Be careful of time. on your mortgage. remortgaging, bear in mind that 4 lenders will now be looking closely at There will be a fee for mortgage your fi nances for the last six months. advice. The actual amount you pay will depend upon your 3. Look at the whole of the circumstances. The fee is up to mortgage market 1%, but a typical fee is 0.3% of Get the right advice. the amount borrowed. Advisers have access to nearly all 5 of the lenders’ rates and can advise you on the most suitable lender to approach. MAB7133

01344 753 268 romans.co.uk MORTGAGE SERVICES THE WORD Tel. 01344 444657 E-mail: [email protected] Web: www.wordmag.co.uk 32 To advertise call 01344 444657 or E-mail [email protected] Please quote The Word when responding to advertisements 32