New Mortgage Charter
New Mortgage Charter encourages lenders to provide you with more support Banks and Building Societies have been encouraged by Chancellor Jeremy Hunt to offer more flexibility if you are finding it difficult to make mortgage payments. Mortgage lenders, the FCA, the Government as well as organisations such as UK Finance and the Building Societies Association […]
100% Mortgage Fears
The resurgence of 100% mortgages has raised concerns in the housing market. While they offer an opportunity for buyers with limited savings to enter the market, the return of these high loan-to-value mortgages has sparked worries about potential risks and their impact on housing market stability. The risks of high loan-to-value mortgages High loan-to-value mortgages, […]
Busting remortgaging myths.
Your circumstances have changed – will you be able to remortgage? We all know life doesn’t stay the same. Our jobs, our relationships, our financial circumstances, they all evolve over time. So if our lives are constantly changing, why should our mortgage stay the same? Your life may have completely altered since you last remortgaged. […]
Should you stay with your lender?
Staying with your current lender may feel like the safest option when your mortgage comes to an end, but that’s no guarantee that you’ll be getting the best deal. That’s why we recommend shopping around to get a mortgage that’s fits you. When there is such uncertainty in the housing market at the moment, you […]
Why plan ahead of your fixed rate ending?
The earlier you plan your remortgage, the more mortgage options you have! And in the current economic climate, it really does pay to know your options. An expert adviser can find the deal for you. If you’re due to remortgage in the next year or so, take a look at our handy list of does […]
Is It Still A Seller’s Market?
The introduction of the SDLT (Stamp Duty) holiday sparked a frenzy in the housing market. Realistically, it was only to be expected that the end of the tax break would lead to a slowdown. Just like people, there’s a limit to how long markets can run at maximum speed. The key question, however, is, how […]
Are House Prices Due For A Fall?
House price rises don’t have to be followed by falls. In fact, they don’t necessarily have to be interspersed with plateaux. They cannot, however, simply keep storming ahead in defiance of both logic and affordability criteria. This means the UK housing market is arguably long overdue for a cooling-off period. This raises the question of […]
Time For The Self-Employed To Have A Mortgage Checkup
If you’re self-employed and a homeowner or (potential) homebuyer, then now is the perfect time to have a mortgage check-up. After the last few years with Covid-19, inflation and cost of living increases, your financial situation may not be the best. Don’t, however, let that deter you from securing your best deal. Instead, use your […]
Mortgage Advice You Can Count On
Buy-to-let mortgages – what you need to know
The UK’s property market is notoriously resilient. Crashes are very few and far between. There are occasional low periods. In practice, however, all these mean is that house-price growth slows and properties can take a bit longer to sell. Demand for rental property is generally strong. With that in mind, here is a quick guide […]
