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What are the different types of mortgages available?

What are the different types of mortgages available?

Are you wondering "What are the different types of mortgages available?"  What are the differences between fixed, variable, tracker and discounted mortgages? When you’re shopping around for a mortgage especially if you are a first time buyer, it can be a confusing...

Stamp Duty – What is it?

Stamp Duty – What is it?

Stamp Duty - what is it? When you buy a residential property or land in either England or Northern Ireland and its value exceeds £125k, you will have to pay what’s known as Stamp Duty Land Tax - more commonly abbreviated by estate agents and mortgage brokers alike as...

I’ve Come into Some Money – Should I Pay off my Mortgage?

I’ve Come into Some Money – Should I Pay off my Mortgage?

If you’ve had a recent windfall, be it from a bonus at work, an inheritance or even a lottery win, you might be considering paying off your mortgage or at least paying off a sizeable chunk of it. Ask a reputable mortgage advisor whether doing so is a prudent move or...

Benefits of remortgaging

Benefits of remortgaging

Remortgaging is when you take out a second or subsequent mortgage on a property you already own. You might do it to benefit from better interest rates or better terms, or to borrow more money against the value of your home. Depending on the terms of your first...

What is a mortgage?

What is a mortgage?

A mortgage, also called a mortgage loan, is the money you borrow from a lender towards the cost of a house or flat. The security for the loan is the property itself. This means that if you do not keep up your mortgage repayments, the lender may decide to get their...

The beginner’s guide to getting a mortgage

The beginner’s guide to getting a mortgage

Mortgages aren’t known for being quick and easy, but they certainly don’t need to be a cause of stress.In this blog, we’ll take you through the process of getting a mortgage so that your house-buying experience will be as smooth as possible. It definitely helps to...

7 reasons to use an independent mortgage broker

7 reasons to use an independent mortgage broker

With so many costs associated with moving house, it can be tempting to cut out as many as you safely can. Many of us drum up friends instead of hiring a removal firm, while others decide to ignore the horrible décor in our new homes until the cash flow situation has...

Mortgage terminology – what does it all mean?

Mortgage terminology – what does it all mean?

If you’re taking out your first mortgage, the array of acronyms and terminology can seem quite bewildering. In this blog, we explain some of the key acronyms, initials and terms you’re likely to come across – we hope it will make you feel more confident as you...

How to buy a house

How to buy a house

For most of us, buying a house is the biggest financial transaction of our lives and not one to be undertaken lightly. Fortunately, with some clear expectations of what to expect from the home-buying process, we can plan ahead, avoid the pitfalls and get the best...

Why Use an Independent (whole of market) Mortgage Broker?

Why Use an Independent (whole of market) Mortgage Broker?

Whether you’re in the market for your first home, looking to move or simply remortgage, then you’re going to need some accurate, impartial mortgage advice. The question is then, where you get that mortgage advice and from whom? Do you go direct to a lender or do you...

What are the Benefits of Remortgaging a Property?

What are the Benefits of Remortgaging a Property?

Remortgaging your home can be a great way to free up cash, particularly for those with significant equity. However, it’s not ideal for every situation, so due consideration needs to be taken as to whether it’s the right move for you and it will likely involve talking...

Need more help or have any questions?

We need to be honest with you… Your home may be repossessed if you do not keep up repayments on your mortgage.