Get the best out of your BTL mortgage
Many fixed mortgage deals will be approaching the end of their term this October, so it’s a good idea to review your buy-to-let mortgage. With... Learn More
Turning ‘generation rent’ into ‘generation buy’
Lenders are now offering a government-backed 95% mortgage scheme to help more first-time buyers onto the property ladder.The government is hoping to turn ‘generation rent’... Learn More
Unlocking the value in your home
The number of people using equity release schemes fell last year as older homeowners grew more cautious. Older homeowners seemed to be more reluctant to... Learn More
Get mortgage fit for 2021
Estimates suggest that well over one million borrowers have lapsed onto their lender’s default standard variable rate (SVR). Has this happened to you? If so,... Learn More
Preparing emotionally for retirement
You’ve retired from work, you’ve waved a cheerful goodbye to your colleagues and you’re ready for the rest and relaxation you so rightly deserve. It’s... Learn More
How do I prove my income for a mortgage?
With Covid-19 rules changing almost daily, extensions to furloughs and local and national lockdowns many are facing money worries this winter. If you’re trying to... Learn More
Mortgage Payment Holiday Update November 2020
On 17 November the FCA confirmed guidance for homeowners struggling financially due to coronavirus. The mortgage payment holidays scheme, first announced in March and then... Learn More
Getting mortgage-ready
Buying a home takes careful preparation and planning. As well as finding a property you like, you need to get your finances in good order before... Learn More
Mortgage affordability in a post-COVID world
Back in March, the Bank of England slashed interest rates to an all-time low of 0.1%, in a bid to alleviate the severe economic pressure... Learn More
Home improvements to add value to your home
Evidence suggests that many more of us are putting down roots and choosing to stay in our current homes for longer. The average time a... Learn More
Now could be a good time to remortgage
Mortgage rates are now at record low levels, following two Bank of England rate cuts in March to bring the base rate down to 0.1%.... Learn More
What you need to know about self-build mortgages
If you’re thinking of building your own home, financing the project may be high on your list of priorities. Self-build mortgages are different from normal... Learn More
NEED HELP TO BUY?
Do you aspire to own a new-build home? Are you looking to move home, but lack sufficient funds to afford the repayments on a low-deposit... Learn More
Standard Variable Rate
The average homeowner moving from a specific mortgage deal onto their mortgage provider’s Standard Variable Rate (SVR) could save more than £2,500 a year in... Learn More
Are you thinking of downsizing?
According to a survey by Lloyds Bank, 45 per cent of empty nesters have no plans to downsize, despite the potential windfall moving to a... Learn More
Is now the right time to fix?
November 2017 saw the Bank of England raise interest rates for the first time in a decade, from 0.25 per cent to 0.5 per cent,... Learn More
Valuations vs Surveys
Buying a house… is a valuation sufficient, or should you opt for a full structural survey? Buying a house is probably the biggest financial purchase... Learn More
Let Property Campaign
If you let out a residential property but haven’t declared the rental income, you might be interested in a new campaign from HM Revenue &... Learn More
Buying for the first time?
For first time buyers, getting onto the property ladder may seem like a daunting process, but there is help available. With demand outstripping supply in... Learn More
Thinking of fixing your mortgage?
If you think an increase in your mortgage repayments could have a negative impact on your lifestyle or financial wellbeing, you may want to consider... Learn More
The downside of downsizing
The decision to sell up and move to a smaller property could come as a result of children flying the nest, the need to free... Learn More
The value of mortgage advice
With so many mortgage lenders offering their products on the high street and online, it can be tempting to cut out the middleman and ‘go... Learn More
The value of mortgage advice
With so many mortgage lenders offering their products on the high street and online, it can be tempting to cut out the middleman and ‘go... Learn More
Parent Landlords
With house prices rising faster than salaries, the younger generation face having to find a much bigger multiple of their income to buy a home,... Learn More
What makes a good Buy to Let investment?
With property prices continuing to rise, Buy to Let can be an attractive way to invest. But whether buying your first Buy to Let property,... Learn More
More People Owning Their Own Home
The latest English housing survey, released on 21 July 2016, shows that the number of people owning their own home has stopped reducing for the... Learn More
Your Financial Countdown When Moving House
Moving house can be a very stressful time, packing and unpacking and making sure that children, pets and prized belongings make it to the new... Learn More
Would You Want A Mortgage In Your 90’s?
Most mortgage borrowers aim to make sure their home loan is paid off by the time they retire. The idea of repaying a mortgage without... Learn More
Something For First Time Buyers To Think About
In the past ten years Britain has experienced a property boom, a property crash and a dramatic change in the housing market, making it harder... Learn More
Guide To House Buying Jargon
When you buy a house, you hear lots of unusual terms. Here are our ‘dictionary’ definitions of terms used when buying a house to help... Learn More
Can You Get A Mortgage Before The House Is Built?
How do you find your dream home? Well that depends on what your dream home is.
Thinking Of Buying A Second Property?
The dramatic increase in the cost of properties in the past decade has placed house buying out of the reach of significant sections of society.... Learn More
Should I Fix My Mortgage Now?
Deflation is not all it is cracked up to be. Recently, as we cheered at the big fall in fuel prices, the fact that several... Learn More
Why Are Mortgage Approvals At 6 Month High?
The Mortgage Market Review, which took effect in 2014, imposed “affordability criteria” on lenders. In simple terms it aimed to rein in high-risk mortgages. Like... Learn More
Thoughts For First Time Buyers
If you have never taken out a mortgage before, this blog is aimed at giving you a balanced and informed view of your options and... Learn More
So You’ve Found The House, How Soon Can You Move In?
While having an offer on a house accepted may be a cause for celebration, it is actually a fairly early point in the procedure for... Learn More
Mortgage Options for Pensioners
The concept of making mortgage payments after retirement age may be a new reality for some people. When looking at this situation, be aware that... Learn More
Will We See The Return of Interest-Only Loans?
There are two basic parts to any loan. One part is the sum borrowed, sometimes known as the capital. The other part is the fee... Learn More
How to repay your mortgage early
Given that a mortgage is usually a long-term commitment, sometimes a significant one, paying it off can be a major financial (and personal) milestone. For... Learn More
What first time buyers need to know
Buying your first home can be an experience you’ll never forget. While the actual process of house-buying only starts once you have found a property... Learn More
Are You On Track To Pay Off Your Mortgage?
Most people expect to be ‘mortgage free’ before retirement but the FCA estimate that nearly half of the 2.6m borrowers with interest only mortgages maturing... Learn More