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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 […]
Interesting question, isn’t it? It’s one of those questions which we think we ought to know the answer to but don’t always have the whole picture. Last time this, apparently simple, definition of first time buyers sparked a big discussion was in 2010 when the Government announced a stamp duty break for first-time buyers and […]
Young people face a difficult choice when it comes to buying their first home. Whilst owning your own home is still a strong trend in the British economy many people are struggling to get on the property ladder. With the cost of living spiralling and many still paying off their university debt, finding the money […]
So you want to get on the housing ladder, make sure you start building your personal wealth and stop throwing money down the drain on renting a property? Many will say easier said than done and they will be right as it is undoubtedly much harder to get a first time buyers mortgage these days. […]
Risking sounding like a broken record, I will tell you once more that reviewing your mortgage deal, especially if you are not on a fix term deal, can actually save you a lot of money. Your mortgage is, in most cases, the biggest loan you will ever take and as such it needs to be […]
If you are a first time home buyer you almost certainly would have to jump through a number of hoops in order to secure a mortgage these days. With the changes to legislation and the introduction of affordability checks it is not just a case of finding the best deal for you anymore. If you […]
There are many valid reasons as to why you might still be renting a property rather than owning your own home: Deposits are high and require saving and help from family There has been a lot of talk about interest rates going up creating uncertainty Applying for a mortgage is timely and costly process Tightened […]