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In December’s blog we looked at the likely state of the mortgage market in 2019. We quoted Darren Cook of Moneyfacts as saying that home owners were looking for some certainty about their finances in the face of an uncertain economic outlook. That uncertainty is not all Brexit related by any means, so an awareness […]
When we reach the age of 55 many of us find that our lives are starting to change. For those fortunate enough early retirement may beckon. Children may well be building independent lives and you could be considering your options. In the past this could often mean downsizing or taking out an expensive equity release. […]
A warning by Mark Carney, Governor of the Bank of England in September, that a disruptive no-deal Brexit could cut 35 per cent off house prices added to existing market jitters. Mr Carney’s warning represented an extreme scenario, and the ultimate effects of Brexit on house prices and mortgages will depend on the position at […]
Buying a home is a big step, and it can be discouraging if you are ready to take it, but there are things standing in your way. You want purchasing a home to be a positive experience so it is important to make sure that you are ready for it when the time comes. Here […]
In June 2018 the FCA (Financial Conduct Authority) had 340 regulated mortgage providers on its books. Between them they manage seven million mortgages and have over a thousand different mortgage products. Trying to negotiate that many options as a first-time buyer is going to be tricky. A mortgage advisor is a specialist with in-depth […]
Applying for your first mortgage is a stressful activity at the best of time. There are however some things you can do to quicken the process and reduce the stress of the wait for approval: It helps to be prepared with the information you will need to support your mortgage application. You may be asked […]
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 […]
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 […]
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 […]
Being a first-time buyer usually means forking out rent, saving for a deposit and playing catch-up with ever-rising house prices all at the same time. it is undoubtedly much harder to get a first-time buyer mortgage these days. However, there are a few things you can do to help and one of them is checking what […]