Navigating the Mortgage Market
Navigating the mortgage market Three useful ways a financial adviser can help you navigate a mortgage market that changes quickly. Mortgage deals have a record low shelf life, and the market is changing quickly. If you’re searching for a new mortgage, it can make it difficult to find a suitable deal for you. In a […]
The Value of Mortgage Advice From a Financial Adviser
Harry and Sam have been staying with Harry’s dad in his two-bedroomed terrace for just over a year while they save up a deposit for their first house. The lack of space and privacy has proved challenging to say the least and would now like to start searching for their own house. Despite having […]
How to improve your chances of passing a mortgage affordability assessment
Getting on the housing ladder can feel like one of the hardest and longest processes in the world and the cost of living crisis is probably not helping. You need to come across as attractive buyers for lenders to consider you, but there are many factors that can reduce how much lenders are willing to […]
Income Protection
One little change you can make to protect your family’s financial future. As a parent, providing for your children is a top priority – from making sure they have food on the table, to ensuring they have the extras they need in life. Putting income protection in place means you’ll always be able to support […]
Essentials you need to know about credit checks before borrowing money
The information a lender finds during a credit check is important – it could affect whether you’re able to borrow money, including through a mortgage, and the interest rate you’re offered. Yet, they can also seem perplexing. Indeed, a Royal London survey found that a third of Brits had never looked at their credit […]
Why homebuyers need to check their credit score
Carly and Steve made serious sacrifices to save a deposit for their first home. To cut costs, they moved from their two-bedroomed flat in the centre of Manchester to a studio flat in one of the less well-regarded suburbs. When the damp and the noisy neighbours got too much, they moved in with Steve’s mum […]
New 100% Mortgage
Are you renting and feel you are stuck in the “rent cycle” unable to save a deposit for your first home? A UK lender has begun offering a 100% mortgage for first-time buyers, where no deposit is required, if you*: Have proof of having paid at least 12 months’ rent in a row, during the […]
Can your energy efficient home help save money on your mortgage?
Have you ever heard of a green mortgage? They’re steadily becoming a popular option for property owners, as many lenders are adding them to their portfolios. If you’re due to remortgage soon and you have an energy efficient home, it’s well worth considering them as a remortgage option. We explore what they are and how […]
Busting Re-mortaging Myths
Your circumstances have changed – will you be able to remortgage? We all know life doesn’t stay the same. Our jobs, our relationships, our financial circumstances, they all evolve over time. So if our lives are constantly changing, why should our mortgage stay the same? Your life may have completely altered since you last remortgaged. […]
Should you stay with your lender?
Staying with your current lender may feel like the saftest option when your mortgage comes to an end, but that’s no guarantee that you’ll be getting the best deal. That’s why we recommend shopping around to get a mortgage that’s fits you. When there is such uncertainty in the housing market at the moment, you […]
