What does life insurance have to do with interest rates?

UK interest rates are at historically low levels, but according to recent reports they may start to rise later this year. You can see the effect of interest rates on mortgages, loans and credit cards, but how do they affect your life insurance? Life Insurance companies finance their business by investing the premiums they collect […]

Credit score and mortgage deals search

Can a Re-mortgage harm one’s credit score?

Being a mortgage broker, I think that carrying out across the market research is a real advantage. Mainly because it allows me to find the best mortgage possible for your circumstances and requirements. Some people are, however, worried about the affect that submitting multiple mortgage searches can have on their credit score. So, what can […]

Bad debt

The importance of your credit score- can you get a mortgage with a CCJ?

As a mortgage broker, I meet many people with all sorts of requirements and concerns. One very common question I come across is regarding the importance of credit scores and particularly around past bad debts and financial difficulties. This Blog covers the main considerations regarding your credit score when applying for a new mortgage: The […]

Buy to let changes April 18

Are you currently letting out a property? Listen to this…

2017 has been a year of bad news to many landlords when the Government introduced some less favourable tax regulations. This was worsened by the new mortgage regulations imposed on Professional Landlords (landlords with 4+ property portfolio) in September. Unfortunately, there is more to come; According to Gov.UK, from April 2018, landlords of privately rented […]

Mortgage market 2017

Mortgages- what were the biggest changes to the market in 2017?

What a year 2017 has been…Britain left the EU, Formula 1 saw the biggest regulation shake up in decades, Trump was elected the US President to name just a few major changes. The Mortgage market, on the other end, was fairly stable this year and dominated by the continued low interest rate.  With the new […]