Category: Blogs

It really appears to be a race to the bottom!  In the last few weeks, we’ve seen five year fixed rates available from 1.45% and two year fixed rates starting from just 1.19%.  Obviously, terms and conditions apply based on individual circumstances, but if you’re looking to change your current mortgage, use the uncertainty across […]

Auction purchases can be a great way of buying properties at a discount and potentially achieving quick equity growth. Typically, a property will be listed via an auction because it may be uninhabitable (think no kitchen or bathroom) or it may be that the vendors need to realise sale funds quickly and are prepared to […]

At the Property Investor and Homebuyers show at the London ExCel last weekend, it was a great opportunity to talk to professional landlords, as well as those looking to take their first steps onto the Buy to Let sector ladder. With many changes and increases in taxation on profits being recently introduced along with licence […]

You might think that your scenario is out of the ordinary and maybe a lender won’t look to assist you.  And you might be right, if you are purely looking at the mortgage lenders on the high street.  But we all know that not everyone fits this ‘ideal client’ picture. Complex scenarios are on the increase and […]

Help to Buy has benefited from an increased profile in recent times (probably due to the impending closure date!) and this has helped more FTBs recognise its attributes – which is a good thing – although it’s prudent to point out that it should not be considered an all in-compassing solution.  And, on the flip side, […]

When applying for finance, if you don’t appear on the electoral roll or don’t have any credit, some lenders may consider that you don’t exist, financially!  This has been a hurdle in the finance world for some time, more so now with the evolution of technology.  It seems that lenders only need to find the […]

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, […]