Category: Blogs

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 […]

With technology taking over the world, and so many transactions taking place over the internet, it might be easy to be attracted to products online. There is so much information readily available and over 11,000* mortgage products to choose from, but these types of things can get lost in translation. Therefore, seek advice! Yes, it […]

Short term finance (Bridging) was initially used as a way to mend a broken link in a housing chain and typically used to ‘bridge’ the gap between a house sale and completion. However, bridging is often also used for people buying at auction, to meet strict deadlines – usually of 28 days – for people […]

You have a default? A CCJ? Missed a payment or two here and there? Yes, the high street lenders will probably say they can’t help, but there’s plenty of others who will. These days, competition is very strong across the mortgage market and this includes helping those who have had a credit blip or two […]

In the eyes of many industry commentators and members of the opposition, the Help to Buy scheme sits somewhere between being the Governments greatest achievement within the housing market, and a potential reason why many house builders and the new build sector could crumble like a house of cards in the future. I’m focusing on the […]