Blog – Mortgages
Get in touch
Taking out a mortgage is one of the most important financial decisions you’re ever likely to make. Read on if you’re ready to get the right mortgage, save money, and buy the home of your dreams.
Flying Freehold Mortgages: Everything you need to know.
Understanding the Basics Firstly, let's clarify what a flying freehold is. In the realm of property ownership, there are freehold and leasehold properties. A flying freehold, a subset of freehold, typically overhangs another freehold property. Whether it's a balcony,...
Spouse Visa Mortgages: Comprehensive Guide
Let's delve into the intricate world of spouse visa mortgages. For those new to this topic, we'll begin by clarifying what a spouse visa entails. We'll then explore various scenarios and answer frequently asked questions related to spouse visa mortgages....
What’s the catch with Skipton’s New 100% mortgage – insider info.
Accross the media, it's been reported that Skipton has launched a deposit-free mortgage aimed at renters. A handful of other no-deposit mortgages are currently available, but they all rely on a guarantor giving the home buyer financial backing. The new Skipton deal...
6 Easy Steps: The Help to Buy Wales Repayment Guide.
Introduction Embarking on your Help to Buy Wales Repayment Journey. With a wealth of experience advising clients across Wales, I've helped many homeowners in Wales navigate their way through Help to Buy Wales repayment. As people approach the end of the 5 year...
5 Home Buyer Questions Answered
Moving house is never easy. Aside from arranging the whole logistics of removal companies, selling agents and the legal process, most of us will need to navigate the mortgage process too. How does the mortgage application process work if you're moving house? Before...
5 Self Employed Mortgage Myths
We help self employed people boost their mortgage chances day in day out. We often hear things our client's have heard from a friend, or on the grapevine which aren't true. Here is a list of 5 self employed mortgage myths you should know about before getting your...
What you need to know about Buy to Let
This is for informational purposes only and is not advice. We recommend you discuss any investment decisions with your financial adviser. Every effort is made to ensure the accuracy of the information but no assurance or warranties are given. What's a buy to let...
Getting your multi – agency credit report.
Getting hold of your multi agency credit report takes about 5 minutes - and we'll need to see it before applying for your mortgage. If you are applying for a joint mortgage - you'll need to get a credit report each. To decide whether or not to lend to you, lenders use...
Guide: How to remortgage.
Remortgaging could save you money if you are due to switch onto the Standard Variable Rate with your existing mortgage lender. Remortgaging could take as long as three months, depending on your circumstances, so it's a good idea to start thinking about getting a new...
What documents do you need to get a mortgage?
In this guide, we look at what sort of documents are typically required to be sent to a lender in support a mortgage application. You should make sure you've got all of these in check before applying. Proof of income Your level of income will directly impact the level...