Blog

    Whether you live at home with parents or renting, buying your first home is a huge leap. Making sure all your finances are in place is a critical stage to becoming a homeowner. Ensuring you have enough money saved up for the deposit and some fees is very...

Remortgaging is one of the popular ways to release money for various things. People have now understood its a better and cost-efficient way to release money and it can be done with many benefits. For a lot of homeowners, their main concern can lead to... “I would like...

There are four main insurances which you should consider when taking out a mortgage: Life insurance Buildings insurance Critical illness cover Income protection Life insurance There are two different types of life you could consider: Decreasing term life insurance: ...

How has brexit affected  the property market? House prices have fallen this September for the first time since 2010. The fog amongst Brexit has seemed to have taken its toll on the property market as houses have dropped by an average of £730 in comparison to the house...

Whether you voted for Boris Johnson or not he is now the current prime minister of the United Kingdom. Boris Johnson has boldly stated that we will be leaving the European Union on the 31st of October regardless of a deal, in a “do or die” strategy. Boris Johnson has...

Rates are currently low and not for long. Interest rates seem to be creeping up slowly and there’s no saying in when it will stop.  This is due the banks having noticed the uncertainty of the current economy. The banks have started to take precautions and it appears...

Have you ever wondered why my mortgage did not approve? Are you thinking of applying for a mortgage? And concerned whether you might get declined?  Applying for a mortgage is probably one of the biggest financial commitments you will ever have. This means that the...

What is adverse credit history? In simple terms this just means someone with bad credit, someone who is unable to keep up with payments on credit agreements. This is referred by lenders as adverse credit.  Those with adverse credit will have negative payment...

What is remortgaging? Remortgaging involves taking out a new mortgage on a property that you already own. It can be completed either with the current lender or a new lender. Remortgaging is used to either replace your current mortgage or borrow additional funds....

Well maybe it’s an ideal time to start planning now.  One of the main challenges faced by a first time buyer is building up a deposit sufficient enough.  The first step is to work out how much deposit is required and how much mortgage you are able to afford. This can...

The effect of Brexit on the property market There has been a lot of uncertainty in terms of Brexit and the impact it is going to have on property prices.  Houses prices currently in the UK have frozen with a rise of 0.1% in January and a rise of 0.4% in February...

Am I a first-time buyer? The definition of first-time buyers is defined in the Oxford dictionary; ‘A person buying a house or flat who has not previously owned a home and therefore has no property to sell’.  However, this isn’t completely true, in some instances if...

Buying a house is a big step, regardless of whether it is your first or your tenth.  There’s lots of paperwork, processes and expenses involved.  One of the ones that can seem like something to maybe put off is life insurance.  But that could be a mistake.  You can...

Buying a house is a big thing at any point in life.  And if you have never done it before or it has been a while, it is worth refreshing yourself with the home buying process from start to finish.  Let’s take a walk through what to expect. Work out your moving costs...

Many people have questions about getting a buy to let property and how to finance it – here are some common questions answered when Buying a Property to Let. Buy to let mortgages are very different to normal mortgages because they are designed for a property you don’t...

Did you know it’s very easy to move from one provider to another for a re-mortgage when you use a mortgage broker? There are plenty of reasons why you may want to re-mortgage. You might want to release more capital. Perhaps you are reaching the end of a particular...

The Bank of England has been discussing raising the interest rate for some time but has always shied away from actually putting it up. That all changed on Thursday as the interest rate was raised from 0.5% to 0.75%. This is only the second time the Bank of England has...

The mortgage is one of the biggest financial commitments that most of us will have. Therefore, it is important to always keep on top of the deal that you have and make sure it is the best one for your circumstances.  This is where rate switching can be useful –...

Buying a house in London means getting a mortgage and this means a credit score. The process of credit scores is something of a mystery for most of us but ensuring your credit score is correct and as good as it can be before you apply for a mortgage is important. So,...

In the mortgage market around one third of mortgage loans are for home owners who are looking to remortgage their property. Re-Mortgaging means taking out a new mortgage against a property you own to replace a mortgage already in place or to borrow money against a...

One thing that most people can agree on is that mortgages are both crucial and can be confusing.  There are so many options, variations and details to them that the average person can easily become baffled by it all, and for most people their home is their biggest...

How much of a deposit do I need is one of the most common questions people have when it comes to buying a new London home. Deposits are important as it is one of the single biggest factors in how much a mortgage provider will lend you for the purchase of a property....

If you are stepping onto the property ladder for the first time or are a regular re-mortgager looking for better rates and deals, then you will be choosing whether to go it alone to find the finance or get a mortgage broker to do it for you. There are lots of reasons...