FINANCIAL & MORTGAGE Advice
9 key things to think about when taking on a mortgage
Taking on a mortgage is probably the biggest financial commitment you’ll make in your lifetime so it’s essential to get it right. Here’s some key things to think about before you commit. Have you got a good deal on your mortgage loan? Make sure you’ve obtained the...
5 mortgage myths busted
We dispel some of the common myths people have about mortgages and explain the reality of each one. Myth 1: You need a large deposit This is not the case. If you’re a first-time buyer, you may have been saving like mad, thinking you need to find a sizeable sum to put...
How to be financially savvy
Whether it’s saving money in the short-term or planning for the unexpected, we reveal some key ways to be smart with your money. Review your mortgage every two years Never assume you're stuck with one mortgage product as you could remortgage, either at the end of a...
Can you get a mortgage with bad credit?
If you’ve had credit problems in the past and you’d like to get a mortgage, you may think your chances are slim. But it could be possible so don’t give up before you’ve even tried. Here’s what you need to know… You want a mortgage, but your credit rating has been...
How much will it cost to remortgage?
There’s no doubt that remortgaging could save you a lot of money, but there are some costs to factor into the process that you need to weigh up against the saving. There are some very good reasons to consider remortgaging. It could save you a considerable sum of...
Getting a mortgage when your partner has bad credit
You have a good credit report and no history of missed payments. Unfortunately, your partner’s situation is different. Will it stop you from getting a joint mortgage? You want to apply for a mortgage and your credit history is good. Your partner’s on the other hand is...
Six reasons to consider remortgaging
Remortgaging means moving your current mortgage deal to a new lender or taking out a new product with your current lender. If you remortgage, interest rates can be appealing as lenders will be eager to entice you. We reveal some key reasons to consider it… 1. Your...
First-time buyers’ frequently asked questions
Buying your first property? We answer some of the questions we’re often asked to help you get prepared for your mortgage application and improve your chances of success… How much deposit do you need? At least ten per cent or more is ideal. In 2020, many lenders...
A guide to property surveys
Confused by the different types of property surveys? Wondering whether you need one if your lender is doing a valuation? Read on for a clear guide to the various types available. If you are buying a property, you may be confused by the different types of...
Are mortgage calculators accurate?
They are a popular choice for many seeking to find out quickly how much they can borrow, but can they be relied upon to tell you what you could truly afford? If you’re thinking of applying for a mortgage, your first instinct may be to go online and find a mortgage...