What Credit Score Do You Need For A Mortgage? | All You Need To Know
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.
Can You Get A Mortgage For Land? | All You Need To Know
15 Dec 2021
There are actually lots of different land mortgages available, from self-build mortgages and commercial development mortgages to agricultural mortgages.
What Can Stop You From Getting A Mortgage? | Help & Advice
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.
How To Save For A Mortgage | Our 4 Top Tips
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.
How To Get A Mortgage On A Low Income | Our 5 Top Tips
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.
What You Need to Know About Remortgaging
8 Nov 2021
The mortgage that you secured when buying your property may not be the best deal after a few years, especially if your home has gone up in value
What is a Property Chain and How Does it Work?
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.
How does a Gifted Deposit Affect a Mortgage?
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.
Tips on Buying a Property with a Tenant in Occupation
There are a few reasons why you might be buying a property with a tenant still in occupation (a sitting tenant).
Help to Get on the Property Ladder in 2021
How does a first-time buyer get onto the housing ladder? Here we make a few suggestions...
The New 2021 Help to Buy Scheme Explained
The Help to Buy scheme allows first-time buyers to purchase a new-build property with just a 5% deposit.
Can I Remortgage my property to buy a Second Home?
If you increase the loan on your primary home, the mortgage lender will want you to be able to prove that you can afford the larger loan.
What Does Virtual Freehold Mean?
These long leases are sometimes referred to as ‘virtual freeholds’. The owner of such a lease might not own the freehold but he does have most of the rights associated with ownership of the freehold, such as the right to exclusive possession and quiet enjoyment.
The Government's Mortgage Guarantee Scheme Explained
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
New Stamp Duty Extension Explained
Rishi Sunak has announced that he is to extend the existing Stamp Duty Holiday until the end of June 2021.
What is a Sinking Fund?
A sinking fund is basically a savings account managed, usually, by the building’s managing agent.
What is a Debt Management Plan (DMP) and How to Get One
A Debt Management Plan is a mechanism by which you can have a third party negotiate with the people to whom you owe money and set out a plan by which you will make a single, affordable monthly payment each month.
The Number of Mortgages Available is Now at a 12 Year High!
Moneyfacts, the independent mortgage market monitor of all things ‘mortgage’ has reported that overall mortgage availability rose in January 2021, to 3,215 products!
10 Reasons to Invest in UK Property
There are still many reasons why the UK property market could be considered one of the best investment opportunities in the world. Here are ten reasons why.
Questions to Ask During a Property Viewing
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.
Recent posts
Budgeting over the Christmas Period
3 Dec 2024
The most wonderful time of the year can easily turn into the most expensive time of the year. Watching the pennies doesn’t mean that the Christmas festivities have to stop, following a few budgeting tips can mean you still have a special Christmas and don’t go into the new year in debt.
Preparing your home to sell in winter
29 Nov 2024
December is usually a less desirable time to buy as many people don’t want to move over the holidays. However, prospective buyers do start to look at this time. Selling your home in winter may require a bit of extra attention to showcase your property at its best.
We look at why mortgage rates increased following the Bank of England's choice to reduce the bank rate, and should you fix now?
UK 2024 Autumn Budget: Housing
30 Oct 2024
On 30th October 2024 the Chancellor, Rachel Reeves delivered the Autumn budget which we had previously been warned would be “difficult”. Below we have summarised the main housing points.
Talking about money with kids
23 Oct 2024
In an increasingly cashless society, money is an intangible concept for children to grasp. In the days of coins and notes, kids could see money as something physical you require to purchase goods and services.
In order to help teach your children about money, we have listed some tips below;
Labour Autumn Budget Predictions: Housing
18 Oct 2024
The UK’s chancellor, Rachel Reeves will deliver the Labour government’s autumn budget at the end of the month, we take a look at what could be announced in relation to housing.
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.
How can I look after my mental health?
7 Oct 2024
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!
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