Category: impact specialist finance

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 […]

Mortgage prisoner? There’s light at the end of the tunnel…for some.

Around 140,000 people with mortgages are currently classed as ‘mortgage prisoners’.  This means that they could be with a lender who is no longer active, or a lender who has ‘bought’ a number of clients from other lenders but who does not offer additional mortgage products once the customers current incentive rate period comes to […]

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 […]

Thank you for voting us ‘Bridging broker of the year!’ – have a fantastic Christmas!

Wow, another year gone!  Time is flying by and it’s certainly a case of ‘blink and you’ll miss it’! 2018 has been pretty flat with a predicted overall mortgage volume of circa £260bn, slightly up on 2017.   Next year is predicted to be much the same, but with the current shenanigans around Brexit, who knows […]

‘How much can I borrow?’

‘How much can I borrow’ tends to be the most asked question of anyone at AToM!  Only a few years ago, that could easily have been up to 8 x income with the minimal of fuss subject of course to loan to value and certainty of income! Oh, how things have changed, and rightly so!  […]