Category: Blogs

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 […]

In historic columns I have used the word ‘panic’ to describe the possible rush to secure a good mortgage deal before they vanish when rates rise. It’s not quite at that stage just yet, but we have seen some rate rises this week from both Santander and TSB. However, there is another important term I […]

In recent months there has been some much-needed attention drawn to customers who have experienced some type of adverse credit. Many specialist lenders and building societies are leading the way both in terms of the education process and through some innovative and highly competitive product ranges. There is no hiding from the fact, or should […]

And so another year begins, have you made any resolutions?  If not, make one to review your mortgage!  Now that the election is out of the way and we have a ‘clearer’ route to Brexit, lenders will look at their strategies for the next few years and I’m sure somewhere in those plans will be reviewing their […]