Category: will

Can you pay today and also over the next five years?

In our heavily regulated mortgage marketplace, the lenders main area in deciding whether to lend, or not, is on your ability to pay the mortgage both today and also in the future.  It’s difficult to detail when I have a limited word count, but in the main, lenders will stress test all mortgages against a possible […]

Close shave with Self Cert….and are you covered?

We almost had the return of “Self Cert” this week!  For those of you long in the tooth, back in 07/08, many lenders offered self cert mortgages, giving customers the ability to obtain a mortgage with absolutely no proof of income or affordability.  The history since then is pretty obvious and we must give credit […]