Category: Blogs

Through this unprecedented time, I can’t stress enough that you should be using a mortgage broker to review your requirements and help arrange your re-mortgage to cut down your costs.  Yes, you can sometimes go direct to the lender, but is it right for you?  Is there a better rate elsewhere?  Have you read all […]

Message from one of our lender partners and we anticipate others will also issue similar notes shortly: UK Finance has been seeking urgent clarification from the government about whether home purchases should continue at the current time, particularly as physical property valuations are no longer possible. The government has now stated that: Home buyers and […]

What a difference a week can make! Testing times for us all. I want to review a few key issues this week, hence the slightly bigger column than normal! Let’s start with Mortgage Payment Holidays – As mentioned by the Chancellor last week, everyone may be entitled to a mortgage payment holiday of three months. The […]

We’re being tested in a way that our generation has never been tested before. These are uncertain times and no one can predict what the future days, weeks, months will bring. The Bank of England has cut interest rates by a significant 0.5% to just 0.25% and at the time of writing, this is predicted […]

As the impact of Coronavirus is felt across the UK, you may be worried about how it could affect you and your home. With the Government announcement yesterday, that they have extended the three-month mortgage repayment holiday beyond residential mortgages to now include Buy-to-Let mortgages. We have pulled together the following Q&A guidance from various […]

First-time buyer or home mover? Either way, know the process and be mortgage ready! On any new purchase, the selling agent will seek to agree a number of deadlines with you, including the arrangement of mortgage finance. At this point, you can shop around and should make sure that you speak to an independent mortgage […]

Bridging finance (also known as Short Term Lending) is a solution that can be used to provide fast access to funding for a number of different circumstances. Often, bridging finance can be much quicker to arrange than a normal mortgage. However, bridging finance should not be considered a replacement for more traditional mortgage lending which […]

I’ve just read that visits to Rightmove surpassed 150 million for the first time in January, making it the busiest month ever recorded. There were said to be over 152 million visits to the property portal in January, a 7% increase on January 2019. The top five busiest days ever on Rightmove were all said […]

So, do you go Fixed, or do you go Tracker? A question we are asked many times every day! With a fixed rate, you know that every month your mortgage payment will be exactly the same until the product period ends. Normally this can be two, three, five or ten years. However, you will have […]

A large myth suggests that because you are self-employed, you will find it harder to get a mortgage. Maybe that was so a few years ago, but not today. Yes, the financial crash took its toll on the self-employed and quite rightly killed off the ‘self certification’ type deals (no proof of income). But today […]