As the market changes every day, it’s easy to get carried away by the media hype. Now, more than ever, people should seek independent advice from a mortgage adviser that is tailored to their specific needs.
Movember officially begins next week - so we thought we'd provide you with a few tips and tricks to get some "Moustachery" going on around the office. Good luck, and well done to all of you for supporting this incredible cause!
Getting a mortgage when self-employed is more a bit difficult than getting a mortgage when you are an employee.
Your credit history has much to do with getting a mortgage. Lenders will look at your credit score as well as your credit history in order to asses their risk in lending to you. Like with most loans, a poor credit score and credit history that is filled with missed payments can result in a denied mortgage application. If you have been denied a mortgage because of your credit score or your credit history, there is still hope. Luckily, there are plenty of ways you can improve your credit score when preparing for a mortgage application.
When moving house there are a few things you should ask either the seller or the seller’s estate agent in order to make the transition go smoothly. Here are 10 of the most important questions you should ask.
LTV, or loan-to-value, is the amount of your mortgage in relation to what the property costs to buy, described as a percentage. For example, if you purchase a £500,000 home and put down £100,000 as a deposit, then your mortgage will be for £400,000, making the LTV 80%. This would mean that the property is 20% paid for. LTV is something that matters when it comes to getting a mortgage on a home.
As your home becomes more lived in, you may notice areas that require improvement. Sometimes it is a hard to decide whether the time and money home renovations cost is worth the while. Some people might prefer to move house instead of putting forth the time, energy and money that come along with home renovations. It really comes down to weighing out the costs and determining if it is more financially sound for you to find a new home or improve upon the one you already have. We will help break down the process of both sides of the decision, hopefully making it easier for you to make a plan of action when it comes to either selling or renovating your home. Sometimes it may be easier to just move house, but taking the extra time to plan and execute home improvements may be the wiser financial option. It is important to understand which home improvements can add value to a property, and when home improvements may cost more than moving house.
Buying a home is likely one of the largest financial decisions you will make in your lifetime. It is also likely one of the most costly when it comes to time. From beginning to end, buying a home can take anywhere from a few weeks to several months. How long it takes to buy a home depends on a number of factors and how long certain parts of the process take to complete.
Applying for a mortgage can be a timely and somewhat stressful process. However, with a little know how and planning, applying for a mortgage can be a smooth process. Follow this simple advice to make applying for a mortgage a bit easier.
Most of us dream about being able to pay off our mortgages faster and getting started on a debt free lifestyle. However, it’s not as easy as it sounds and there are a few things you should bear in mind if you’re considering attempting to pay off your mortgage early.
Mortgage advisers are used by many who mortgage their homes in the UK. In fact, about 2/3 of homebuyers use a mortgage adviser. What does a mortgage adviser do exactly and how can they help? This article will break down what a mortgage adviser does and how they can be of service to you in the search for a mortgage.
While your health and welfare are top priorities, Coronavirus is affecting lots of people’s income and employment, as well as the ability to manage their money
The mortgage market is in constant flux. New deals pop up all the time, which means that just because a deal worked for you one year doesn’t mean it’s your best deal the following year.
Ok, first things first. We all know buying a property is the biggest purchase you are ever likely to make.