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Buy to Let – Is an interest only mortgage still the best option?

Over the years there have been a variety of different mortgage types that have fallen in an out of favour as economic and market conditions have changed. The questions now facing landlords about interest only mortgage tax relief stem from the changes that started to come into effect in April 2017. With an interest-only mortgage, […]

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Do you really need a landlord insurance?

As a landlord, you will need insurance for properties you rent out to tenants. This usually includes similar protection to general house insurance, but as a landlord you need extra cover for things like: Non-payment of rent; Damage caused by tenants to your property; Liability for injury caused by accidents; Rehousing costs if your tenants […]

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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 […]

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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 […]