3 days ago
Recent research from Halifax has revealed the most sought-after locations for first time buyers in Britain.
The data which was taken from the Halifax House Price Index looked at areas outside of London where those looking to purchase their first property were buying. Despite high property prices and increased rates, these first time buyer hotspots have remained popular.
7 days ago
Buying your first home is very exciting but it can also be very daunting which is why we have set out a “to do list” to help you get started.
21 days ago
With UK inflation remaining at 2.2% which is slightly above the Bank of England’s 2% target, the decision was made on Thursday 19th September to keep the base rate at 5%.
28 days ago
Virgin Money and Hive Energy introduce new "green" mortgage product called Retrofit Boost Mortgage with the aim to help homeowners improve the energy efficiency of their home by offering cashback between £3,000 and £15,000
9 Aug 2024
Following the recent decision by the Bank of England’s Monetary Policy Committee to cut the base rate from 5.25% to 5% (the first reduction seen in over four years), we have seen lots of lenders reducing their rates to remain competitive.
6 Aug 2024
Did you know that removing clutter within your home can reduce stress, help you be more productive, and improve your mood and self-esteem? Check out our steps to get you started.
15 Jul 2024
The average seller’s asking price dropped by 0.4% in July, a bigger drop than we have typically seen.
18 Jun 2024
Should you overpay your mortgage? If you can put extra cash away you need to seriously consider whether you should pay more off on your mortgage or put it into a savings account.
24 May 2024
Buying a property, especially in the current climate, is a big decision for first time buyers. We have listed a few tips that can help you buy your first propertyy
13 May 2024
Does the time of year make a difference in house purchases? The answer is, yes and no.
The popularity of buying a house can vary depending on various factors such as regional trends, how the economy looks, and of course personal circumstances.
24 Apr 2024
Getting on the property ladder is a big milestone in life, and is not something to take lightly. There are several things to take into consideration such as saving up for a deposit, finding your dream home, and finding the best mortgage product to suit you. Here we look at UK first time buyer statistics.
12 Apr 2024
If you are struggling to get over the hurdle of saving enough deposit due to being in a rental property, but wish to purchase your own home, you may be able to with a 100% mortgage. You will need to meet certain requirements and be financially stable.
12 Jan 2024
In this blog we look at what happened in the housing market in relation to house prices last year, and look ahead at the forecast for 2024.
3 Nov 2023
Getting a mortgage when you are self-employed can be tricky, but it certainly isn’t impossible.
25 Oct 2023
We have written a short blog of some stress busting ideas that you may want to put into practice, whether you're in the process of buying a property, or not, you may find these tips and techniques helpful.
21 Jul 2023
Moving soon? It's never too early to get organised! Be prepared and avoid unwanted stress by checking out our list of tips to get you ready for moving day.
10 Mar 2023
Although house prices have been on the rise, purchasing a property is still cheaper in the long run than renting and it’s always worthwhile trying to get on the housing ladder.
Here we have looked into SDLT in more detail and explored how the recent tax reduction can help people who want to buy a new home.
2 Aug 2022
The term ‘mortgage salary multiplier’ is used when referring to multiplying your income to calculate the maximum amount a mortgage provider would lend to you.
27 Jul 2022
Ultimately, a full structural survey provides you with peace of mind and removes some of the risks associated with buying a property.
1 Jul 2022
IPFA stands for ‘Industry Panel for Financial Advice’ and this panel has come together to advocate on behalf of UK financial advisers and all of the customers we serve.
28 Apr 2022
we have put together a list of important things to consider whenever you’re comparing mortgage products from different lenders.
20 Apr 2022
We have listed some of the most common reasons why people are unable to get the mortgages they’ve applied for
31 Jan 2022
Buying your first home comes with a mixture of emotions. Owning a property is a really exciting prospect, but the practicalities associated with actually buying a property can be quite daunting.
11 Jan 2022
If you’re still trying to get to grips with what a mortgage is, below we have covered all of the basics you need to know before buying a property.
4 Jan 2022
It is important to ensure that you’re aware of your credit score and you’re obtaining a copy of your credit report before applying for a mortgage.
15 Dec 2021
If you’re wondering what can potentially stop you from getting a good mortgage deal, we have looked into some of the most common factors to be aware of.
1 Dec 2021
Nowadays 100% mortgages, also known as ‘no deposit’ mortgages, are not available and people who are looking to buy a home will require at least a 5% deposit to get a mortgage offer from a lender.
21 Nov 2021
Getting a foot on the property ladder is becoming more and more difficult for people of all ages. Not only is the price of property in many parts of the UK continuing to rise, but the majority of businesses still only pay their employees minimum wage, so many fear that they will never be able to own their own home.
If you’re new to buying a home, you may hear lots of familiar phrases that you don’t fully understand. One of these phrases commonly used is ‘the chain’. If you’re unsure what this is and why it’s talked about so much, we explain here.
A gifted deposit is a sum of money given to you by someone else, usually a member of your family. The money you are gifted must be given by way of a gift and not a loan.
How does a first-time buyer get onto the housing ladder? Here we make a few suggestions...
The Help to Buy scheme allows first-time buyers to purchase a new-build property with just a 5% deposit.
With the new mortgage guarantee scheme, even if you only have 5% deposit, you may be able to obtain a mortgage on the remaining 95% of the purchase price
Rishi Sunak has announced that he is to extend the existing Stamp Duty Holiday until the end of June 2021.
Moneyfacts, the independent mortgage market monitor of all things ‘mortgage’ has reported that overall mortgage availability rose in January 2021, to 3,215 products!
The more complete a picture you can build both before and after you make your offer, the better protected you are from the unknowns in the transaction. Don’t be afraid to ask.
A TA10 form is one of several forms a seller must complete during the conveyancing process. The TA10 sets out, in detail, what is or is not included in the sale of the property.
There are largely two main factors that drive interest rates in the UK mortgage market. They are The Bank of England’s Base Rate and LIBOR.
Flats, in particular, are usually owned leasehold because in very simple terms, to own the freehold of a property is basically to own the land below and the air above and, in the case of a flat, clearly this isn’t possible.
What can you do to improve your negotiating position? Here are a few simple tips that too many people ignore.
The definition of a first-time buyer has been set out by the government in a guidance note published in 2018. It states the following...
The chancellor has announced a temporary holiday on stamp duty up to £500,000 as part of a number of measures to help stimulate the economy. We have listed below the key facts following this announcement.
One thing that has come out of lockdown is a steady stream of First Time Buyers ready to get on the housing ladder.
Applying for a mortgage can seem an intimidating and complicated process. Thankfully this is something we do every single day, so we can do much of it for you. Simple.
You must have an Energy Performance Certificate before you start marketing your property. Buildings that don’t need an EPC include...
If you are self-employed, a mortgage lender may ask you to provide a copy of your SA302.
Generally referred to as ‘the base rate’, when it falls it is usually (but not always) an indication that lending rates generally will also fall.
If you can’t come to us we can quickly set up a video or phone appointment.
Recent research from Halifax has revealed the most sought-after locations for first time buyers in Britain.
The data which was taken from the Halifax House Price Index looked at areas outside of London where those looking to purchase their first property were buying. Despite high property prices and increased rates, these first time buyer hotspots have remained popular.
4 days ago
Taking care of your mental health means looking after your emotional, psychological, and social wellbeing. There are several ways we can practice self-care that will help to improve our physical and mental health. This can help to reduce our risk of illness, manage stress, and boost our energy levels!
7 days ago
Buying your first home is very exciting but it can also be very daunting which is why we have set out a “to do list” to help you get started.
21 days ago
With UK inflation remaining at 2.2% which is slightly above the Bank of England’s 2% target, the decision was made on Thursday 19th September to keep the base rate at 5%.
Virgin Money and Hive Energy introduce new "green" mortgage product called Retrofit Boost Mortgage with the aim to help homeowners improve the energy efficiency of their home by offering cashback between £3,000 and £15,000
According to recent findings by LV= where 4,000 UK adults were surveyed, mortgage holders said that were likely to consider equity release to free up some money to take care of expenditures in later life.
9 Aug 2024
Following the recent decision by the Bank of England’s Monetary Policy Committee to cut the base rate from 5.25% to 5% (the first reduction seen in over four years), we have seen lots of lenders reducing their rates to remain competitive.
7 Aug 2024