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How to understand your Check My File Rating

How to understand your Check My File Rating

When it comes to applying for a mortgage, you will have been planning for this for some time. You likely understand the implications your past decisions regarding your credit will have on your ability to gain a mortgage. However, looking into your previous credit...

Impact of the Bounce Back Loan on Getting a Mortgage

Impact of the Bounce Back Loan on Getting a Mortgage

The coronavirus situation has led to a number of financial solutions being put in place by the government to make sure businesses can stay afloat and remain open; one of these is the bounce-back loan scheme. It gives struggling businesses a way to get an injection of...

Coronavirus And Your Mortgage

Coronavirus And Your Mortgage

Discover the impact of the Coronavirus and your mortgage Sick of lockdown yet? Well, you're not alone, but being stuck indoors isn't the only problem that the latest round of social isolation has created. Indeed, many people are worried about their jobs and finances....

Advice for the Self Employed on getting a Mortgage

Advice for the Self Employed on getting a Mortgage

If you are self-employed, you may have been told that you stand no chance of getting a mortgage. While it can be more challenging for self-employed people to secure a deal, it is not impossible. There are a lot of lenders who will offer self-employed people mortgages,...

Common Home-Buying Anxieties

Common Home-Buying Anxieties

Overcoming Common Home-Buying Anxieties to Realise Your Ownership Dreams It’s an oft-used cliché, but a very true one to say that a home is the biggest purchase you’ll ever make, so it stands to reason that some approach doing so with a degree of anxiety. From...

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...

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.