FINANCIAL & MORTGAGE Advice
Should you be fixing your mortgage?
As one Prime Minister departs from Downing Street and another waits in the wings, the ongoing political turbulence may be making you think that staying put is more appealing than moving home at the moment…
Don’t give up your nest egg…
With mortgage product rates at or close to record low levels, and current market conditions favourable for buyers, it’s an ideal time for those who want to purchase their first property or trade up to a larger home. Enter a new breed of mortgages designed to help you help a loved one to buy a home, without having to give away your savings…
Do you have a rainy day plan?
We know that it’s not a fun topic of conversation, but have you ever paused to consider for a moment how you’d pay your mortgage and household bills if you lost your job, or became seriously ill?
Could investing in student accommodation help with the cost of sending your child to University?
As many parents across Surrey wave their offspring off to University this month, thoughts will inevitably turn to the rising costs of higher education. With the average charge for three years’ tuition fees now standing at £27,750, plus the additional outlay of student accommodation, it’s little wonder that some parents decide to investigate investing in student accommodation as a way of offsetting some of the expenditure involved…
Getting a Mortgage After a Break-up…
If you’ve recently split from a long-term partner with whom you owned a property, uncertainty about your financial situation is common. Here we explain how to get a mortgage, to help ease your anxiety
The benefits of income protection and critical illness cover
Income protection and critical illness policies provide financial protection when circumstances change unexpectedly due to unemployment or illness. “If you lose your job unexpectedly then income protection can provide a regular source of income until you find work again,” says our founder Monica Bradley. “Critical illness provides cover in the event that you are unable to work due to illness. Sadly, over the years, we’ve had a number clients who have developed serious illnesses and had to give up work. The stress of having to cope with an illness can be debilitating for families but the added pressure of having to worry about money at such a devastating time is something that can be avoided altogether if you have the right critical illness cover.”
How to be a successful first time buyer
Buying your first home is a big step. Whether you are going it alone or buying with someone else, there are plenty of things to consider before going ahead. One of the most important is making sure your finances are in good shape before you visit your mortgage broker. Lenders are looking for reliable and careful borrowers, so you will need to have lots of information at your fingertips to show you are able to manage your money.
5 tips for self-employed borrowers
Obtaining a mortgage when you work for yourself can seem a daunting process, but it’s certainly not impossible. Since 2007’s credit crunch, it’s been more challenging to get a mortgage if you’re self-employed. Here’s how to ensure your mortgage application will most likely result in a positive outcome…
Why do I need a mortgage broker?
Consulting a mortgage broker to help you find the right mortgage product for you could save a great deal of time and money. Buying a house, especially for the first time, is exciting, but can also be overwhelming. With so many things to tick off the to-do list, organising a mortgage yourself can be time-consuming, confusing and you may not end up with the best deal. A reputable mortgage broker can search the market for you, working on your behalf to find the right product, tailored to your own individual circumstances. They can do a lot of the hard work on your behalf, making your transition from potential buyer to home owner much more straightforward.