Category: Blogs

If you are contemplating moving into the Buy to Let sector (buying a property to rent out), then I would recommend making a visit to the Property Investor Show that takes place on 4th and 5th October at the London ExCeL Centre.  There will be over 100 exhibitors and over 50 seminars that will assist in answering all your […]

You can’t miss the vast amount of building work going on locally.  In the main, it is by large property developers/builders, but we are receiving enquiries for those privately looking to build their own dream home or renovate and extend their existing properties.   This can also include knocking down the property and building a new one in […]

First Time Buyers trying to get on the property ladder will turn to the Bank of Mum and Dad to borrow more than £6.3bn this year, according to a report from Legal & General. This equates to  being the equivalent of the country’s tenth biggest mortgage lender! The average parental contribution for homebuyers this year is […]

It’s always a little surprising when customers contact us for a mortgage who have been totally unaware that they have had a number of credit searches carried out following recent searches for competitive renewal quotes on their home or car insurance via Comparison Websites.  I’m sure it will be stated somewhere in the small print, […]

Innovation is key in the current climate and we must applaud the lenders who are defining the way of the industry and providing mortgages for certain types of customer. The main issues currently result around income multiples, loans size compared to the value of the property and catering for those over the age of 55. […]

UK Finance has confirmed that mortgage lending was down 4% year on year in June, amounting to £21.9bn.  Despite this, house purchases increased nearly 3% as 48,539 approvals occurred, compared to the previous year.  This is encouraging, and we’re seeing 49% of all business coming into impact specialist finance being house purchases.  There’s certainly a […]

The holiday period is most definitely in full swing and it’s precisely why I feel the need to be a pain and reiterate that whatever is spent on credit cards has to be repaid!  If you are looking to review your mortgage in the next few months and load the credit card during the holiday period, remember […]

So, your mortgage is coming to the end of its product term.  You may have fixed for an amount of time, maybe two, three or five years.  And now your rate is due to change to the lenders variable rate, which in the main, is higher than the rate you are currently on, and your […]

Firstly, we are delighted to have been recognised and ‘highly commended’ in this year’s ‘What Mortgage?’ awards Best Mortgage Broker category. This is a great testament to the team we have and we’re very grateful to all those who have voted for us. We are proud to be in our 28th year in the mortgage […]

With every mortgage, the lender will require to know that they are lending money on a suitable property. This will entail a valuation and normally a surveyor will visit the subject property. This is a fairly basic valuation and is for the lender, paid for by the borrower, and it should not be relied upon […]