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Buyer Be Ready.

Is your home worth more than you think?

Paying Off A Help to Buy Loan

Managing Mortgage Debt in Retirement.

Answering common questions about mortgages and property

Five tips for improving your chances of mortgage approval.

Many first-time buyers hope to make this year the year they get on the property ladder, thanks to the increasing availability of 95% mortgages. But while there are higher numbers of suitable mortgages available, there’s no guarantee you’ll be approved. To improve your chances, here are five of our top tips. 1. Register to vote It might not sound like this has much to do with your mortgage, ... Read more

Remortgage

Remortgaging to reduce monthly expenses.

Your mortgage repayments are likely to be your largest monthly expense so if your current mortgage product is due to expire -  let's take a look at the market and see if we can get a better deal to reduce your monthly outgoings. If your mortgage product is due for renewal we recommend that you let us shop around and compare deals. The chances are that the value of your home has increased since... Read more

Paying Off A Help to Buy Loan

Interest payments on the help to buy Government loan begin in year six at a rate of 1.75% and will increase annually. It is likely that when you took out the mortgage for your home you selected a 5 year fixed rate product. At the end of the 5 year period that mortgage product is due for renewal you will need to re-mortgage. This means switching to a new fixed rate mortgage product either with... Read more

Buyer Be Ready.

With so many home-hunters looking to move right now, property viewings are competitive. Many estate agents are now prioritising physical viewings for buyers who are ready to move forward with a purchase straight away. We have found that some estate agents are asking that a buyer has already had an offer accepted on their home if they want to physically view a property that is on the market... Read more

Is your home worth more than you think?

7 in 10 homeowners do not know the true value of their home Our home is often our greatest asset, and for many of us it makes sense to capitalise on that investment. But a significant number of homeowners in the UK are wealthier than they realise because they are underestimating the value of their property, a new survey has revealed[1]. The survey asked 2,000 UK homeowners about their e... Read more

Managing Mortgage Debt in Retirement.

If you are retired and have, or will have an amount left to pay on your mortgage when your product comes to an end, you may be concerned about what to do next. Whilst we are not advocates of Equity Release (where interest is compound) another option is a 'retirement interest-only mortgage', this product allows people to borrow money against their property and repay only the interest due o... Read more

Find out how remortgaging could save you thousands in interest.

Time to switch your mortgage? Your mortgage is likely to be one of your biggest monthly costs and making sure you’re on the most suitable product can make a huge difference to your overall finances. Remortgaging could save you thousands of pounds, without making any lifestyle sacrifices. Essentially, it’s nothing more complicated than switching to a different mortgage deal. Just as... Read more