Category: Brexit

Brexit, uncertainty, opportunity!

Wow, February already!  Time flies.  It also brings us another month closer to Brexit.  Uncertainty remains and nobody knows what lies around the corner.  However, we’ve been through this before.  Remember the millennium bug that was going to be the ultimate in chaos, computers wouldn’t work and the world would be a worse place, etc […]

Don’t stay on the lenders standard variable rate for the sake of it!

2019 has started as expected, with the main stay being uncertainty. Already we’ve seen three lenders stop lending or pull all of their products due to ‘costs of funding’ and ‘uncertain times ahead’.  This is all a bit ‘de ja vu’ compared to back in 2007/8 before the big ‘crash’.  However, this time we’re not […]

Coming to the end of your product term? Be wary….

As I have said before and with the run up to year end, lenders have been actively looking at their offerings and loosening their criteria, positively. Some rates have even been reduced and nearly all re-mortgage deals now come with a contribution to valuations and legal fees to keep the cost of changing lenders to a […]

Complex scenarios are common in the mortgage market.

The high street lenders tend to only deal with pretty straight forward scenarios.  So, you will need to fit their standard credit score requirements, meet their standard income multiples and, in the main, simply be easy to deal with.  However, we all know that not everyone fits this ‘ideal client’ picture. Complex scenarios are on […]

A Bridging Loan could help you if you need something short term.

There is an abundance of choice for consumers across the mortgage market currently and this includes the bridging / short term lending sector. Bridging Finance is the term most used for funds to be used in the short term to facilitate a financial transaction which has either an urgent or short lifespan and which is […]

We are entering a truly unknown era as we plan for Brexit, is it time to fix?

As we move in to August (where has the year gone?), I feel the need to be a pain and reiterate that whatever is spent on credit cards has to repaid!  If you are looking to review your mortgage in the next few months and load the credit card balance up during the holiday period, […]

See if a remortgage to a fixed rate might benefit you..

We are in the middle of the Easter school break and this is traditionally a time when many people do one of three things in the mortgage sector. They start looking at new properties to move to: they are already committed and are packing ready for the removal lorry or, they take time to review […]