The Government’s new mortgage schemes explained & who will benefit
The Budget brought mortgages back into the spotlight with the announcement of the extension of one government scheme and some new help for homebuyers. But what are they, how do they work and who can...
View ArticleLooking to get a mortgage? Here’s some good news
For the first time since before the current recession started, there is a real feeling of optimism within the mortgage market. This has been fuelled by some help from the authorities too, here we will...
View ArticleRemortaging tips – including when to start looking
Last autumn we looked at the market for those refinancing, known in the mortgage industry as ‘Remortgaging’. Things have changed a little so it’s worth revisiting this as we reach the halfway point in...
View ArticleWill the house market recovery last?
So we’ve just had the UK’s first ‘heat wave’ since 2006, and this seems to have created a beaming ray of sunshine on our mortgage market. Colleagues in the industry I’ve spoken to in the last few weeks...
View ArticleMortgage rate outlook & what borrowers should do as we head into 2014
The announcement by Mark Carney, the Governor of the Bank of England, that the Fund for Lending Scheme (FLS) will be diverted away from mortgages and towards business lending has brought the scheme...
View ArticleCan I remortgage with a bad credit history?
Reader QuestionI have an existing mortgage which I have managed through difficult circumstances to hold on to but I now have a terrible credit score because of CCJ’s from credit cards but I have never...
View ArticleHow to get a mortgage under the new mortgage rules
The new mortgage rules which came into effect in April 2014 have had a big impact on the mortgage market, in particular on how to get a mortgage. There’s been lots of stories in the national press...
View ArticleHow long should you fix your mortgage rate for?
When should you fix your mortgage?I’m often asked by clients ‘Should I fix my mortgage?’ or ‘How should I fix my mortgage for?’ Even as a qualified mortgage adviser, the answer is that if I knew, I’d...
View ArticleWhat do you need to apply for a mortgage?
What documents you need to apply for a mortgage?It does vary from lender to lender and based on your circumstances, but broadly here is what you need to get a mortgage:Primary Identification...
View ArticleHow to get a self-employed mortgage
Self Employed mortgage adviceThere is no doubt that obtaining a mortgage is harder now than it ever has been and this is particularly so for anybody who is self-employed.Gone are the days when the...
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