The Wokingham Word, March 2020

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01189 762080.co.uk or call into one of our showroomsuARE YOU, OR SOMEONE YOU KNOW,LIVING WITH CANCEROR ANOTHER LIFE-THREATENING DISEASE& SUFFERING Aerial, satellite FINANCIAL and home OR OTHER entertainment HARDSHIP?installations and servicingWokingham Small District Local Company Cancer Trust. Bad reception may problems be able solved to . help Multi television points. Network/data cable . Flat screen TV mounting. Sky TV . Telephone points installation . Home cinemaFor more information07787 938 818 visit:20%No VATOFF0118 948 5141 www.wdcct.orgSenior Citizenwww.prodigitaltvav.co.uk or Discount No VATcallprodigitaltvav@gmail.com 0118 949 5030DiagnosticsSudoku(from £60 per hour).Free car loans subject to availabilityOr Free collection & deliveryTired of paying main dealer prices? PTS could be the answer,offering an hourly rate at approximately half main dealer prices.We offer a choice of genuine, aftermarket and second hand partoptions to keep your motoring costs as low as possible.Please contact us for a free, no-obligation quotewww.ptsdevelopments.comPlumbers and DecoratorsShowers . Baths . Repairs . Cylinders .Immersions . Taps . Washers . Radiators .Units 1&2 South Barn, Gardeners Green Farm, Heathlands Road,Wokingham, Berkshire, RG40 3AS01344 771 778 ... 07860 669494Bathroom Suites . Toilets . Basins . Pumps .Full Interior DecoratingClean and ReliableCall now: 07708 602442i.plumber@btinternet.comwww.iplumberuk.com• Fir• PlRe• Fu Einstacomm.sd0omRegular Cleaning theway you want it doneCLINICLASERTypically from £11.00 per hour12.95Book Now!!01189 680 949www.domestique.co.uk/wokinghamT&C’s:This offer is valid only onthe purchase on a courseof 6 treatments. Fullpayment to be made inadvance. Offer ends 31stMarch 2016.Get ready for summer!10% discount on IPL laserhair removal coursesFree Oven Clean worth £48.0007949 607 556info@cliniclaser.co.ukwww.cliniclaser.co.ukTHE WINDOW DOCTORS THAMES VALLEYWISE CARPENTRYLOCKSMITH& BUILDING MAINTENANCE1st FIX & 2nd FIX CARPENTRY, KITCHENS,• Non destructive entryROOFING, HOME MAINTENANCE,MORE THAN JUST• Lock service & upgradeA LOCKSMITH !• Insurance ALL ASPECTS work OF BUILDING WORK• Locks Pictogramssupplied DAMP PROOFING & fitted SERVICESFully • All Insured, types City&Guilds of lock repairs Qualified, Guaranteed Workmanship• Safes supplied and fittedCall • CCTV James: and Alarms FREE• Key cutting serviceQUOTES07983 354 2230118Phone975/ Fax:77630118 989 4563 Mobile: 07876 450 063Email: info@windowdoctorsthamesvalley.co.ukwise.carpentry@yahoo.comWebsite: windowdoctorsthamesvalley.co.ukord 24 FEBRUARY 2016Michael NooneElectrical ServicesDomestic & Commercial• FIREPLACES • STOVES •• SOLID FUEL • GAS & ELECTRIC FIRES •Visit our showrooms at:62 High Street, Sandhurst,Berkshire GU47 8DY.Tel: 01252 876876Purple Dot RoofingWOKINGHAM0118 961 9942DRIVEWAYS 07973 & LANDSCAPING 680 970FENCING SERVICESRoofing services carried out safely andTony professionally Sarin including FREE Tel: estimates 0118 9733414 for:. All types of fencingNew roofs, extensions & dormers Lead Mob: works 07920 & lead roof 524500 repairsStrip and re-tile or re-slate Email: wokinghamdriveways@gmail.comRepairs to main roofsGuttering,436 Finchampsteadfascias & soffitsRoad | Wokingham | Berks | RG40 3RB38 Woosehill Lane, Wokingham, Berks, RG41 2TSian@purpledot-roofing.com www.purpledot-roofing.comInstalling Velux windows. Complete fencing Flat projects roofs. Repairs and maintenance. No job too big or too small. Fully insured, all work guaranteedThe Wokingham Word4WAndrPhyshas ageneCom●●●●●TreaFEBMurrell Green, London Road,Hartley Wintney, HampshireRG27 8HZ. Tel: 01256 764182FREE QUOTES0118 973 3414A family run Wokingham business, we pride ourselves onthe quality, efficiency & professionalism of our service0118 977 2541www.michaelnoone.co.ukEmail. info@exclusivefireplaces.co.ukinfo@michaelnoone.co.ukwww.exclusivefireplaces.co.uk07768 201 90107920 524 500wokinghamfencingservices@gmail.comThe Wokingham Word 26 6 FEBRUARY MARCH 2020 2016
Common-sense lending for a smoothhomebuying experienceOur finances are becoming more complicated.From the rise in the number of people who are selfemployedto the popularity of having a multiplicity ofincome sources, the financial habits of consumers arechanging. And change brings with it lots of challenges.In 1952, there were just 1.65 million borrowers. Now,there are nearly 11 million mortgages held by owneroccupiers.Before the financial crash in 2008, lendersapproved loans which did not require verification toconfirm the borrower’s affordability. Now, proof ofregular income and assets to repay a loan must beevidenced.As the mortgage market adjusted to the newworld post-financial crisis, the wants and needs ofconsumers diversified rapidly. What once may havebeen considered as an ‘unusual’ or ‘risky’ mortgageapplication – main source of income paid in as Euros,for example – started to become commonplace, andmany lenders started to fall behind.There are lenders who automatically assess anapplicant’s affordability based on income andexpenditure via a computer algorithm. By doing so,viable and responsible customers are unfairly labelledas ‘risky’, and therefore, rejected. This is not so atNewbury Building Society.We don’t believe computers should have the final saywhen it comes to lending. For us, it’s the personaltouch. Call us old-fashioned, but we like to talk toour customers! We think it’s important to understandtheir unique circumstances to try and help them fulfiltheir homeownership ambitions. This attitude hashelped us support lots of different mortgage cases.From an applicant wanting her pension value to assistaffordability, a professional receiving payment from anorganisation whilst in training to many applicants whoare self-employed or contracting.We understand a ‘one-size-fits-all’ lending approachis no longer relevant. We believe those with‘nontraditional’ income streams should no longer beoverlooked when looking for a mortgage and buying ahome.Our qualified underwriters manually each applicationholistically based on the customer’s needs. Our lendingdecisions are made by people, not computers; everyapplication is considered on its own merit.So, our approach to mortgage lending is simple: we usecommon sense.Ultimately the workforce will continue to evolve, sotoo will the mortgage market, and we’re moving alongwith it. If you’d like to talk to a qualified mortgageadviser about your options, contact us today. We offerface-to-face, telephone and video advice mortgageappointments for those who cannot make it to a branch.Visit our Wokingham branch, 19 Broad Street,Wokingham, RG40 1AU Call: 0118 978 5945 oremail: wokingham@newbury.co.ukWokingham Branch Managers,Deborah Gadd and Charlotte Hall.YOUR MORTGAGE IS SECURED ON YOUR HOME. THINKCAREFULLY BEFORE SECURING OTHER DEBTS AGAINSTYOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOUDO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.NewburyBuilding SocietyNewbury Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PrudentialRegulation Authority (Financial Services Register number 206077). English Law applies and we will communicate with you in English. We areparticipants of the Financial Ombudsman Service. We have a complaints procedure which we will provide on request. Most complaints that wecannot resolve can be referred to the Financial Ombudsman Service. 7832The Wokingham Word 7 MARCH 2020NewburyBuilding Society
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