Category: Blog Posts

Completing a fact find and be mortgage ready!

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 can be much quicker to arrange than a normal 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 […]

Visits to property website up 7% on January 2019

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 […]

Fixed or Tracker rate? What’s your preference?

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 […]

Being self-employed shouldn’t affect you getting a mortgage

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 […]

Be aware of your mortgage rate and options

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 […]

Mortgage borrower demands are shifting!

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 […]

Are you financially prepared for the year ahead?

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 […]

Which mortgage calculator do you use?

There is a wide range of mortgage calculators and affordability calculations available which will help you to find out ‘How much can you borrow?’. However, the only true response will be from the lender and normally only once they have carried out a credit search and reviewed your credit score. Only a few years ago, […]