Buyers once constrained by a shorter mortgage term as they approached their mid to late 40’s are now able to take on a mortgage. This is based on earned income, with a term that will take them into their mid 70’s. Late starters, career changers and divorcees in their mid to late 40’s were once restricted by maximum mortgage terms of between 15 and 20 years. Now for those wanting a long term ... Read more
Are you paying too much and how would you know? Unless you've just moved house or remortgaged the chances are that like 1000's of others you don't know what interest rate you are paying for your mortgage. That's nothing to be embarrassed about but it is something to address. If you're uber savvy you'll be fully aware of the rate you are paying, if it's a fixed rate and when your rate finishe... Read more
What to do when your fixed rate mortgage deal comes to an end.
A fixed-rate deal means that the interest rate and your monthly mortgage repayment remains unchanged for an agreed number of years. If the fixed-rate period on your mortgage is about to end, this is when taking professional advice will help you make the right choice for your circumstances.
Reviewing your options
When a fixed-rate mor... Read more
Mortgage customers who have previously been unable to switch mortgages despite being up-to-date with their payments (commonly known as mortgage prisoners), may now be able to find a cheaper deal after the The Financial Conduct Authority (FCA) today confirmed that it has removed barriers that stop some mortgage customers accessing these deals.
The new rules allow lenders to use a different and m... Read more
We believe our role is not to just arrange you a great mortgage deal we believe it's about helping you secure your next home.
With a strong background in estate agency our team understand the complexities of the home buying process. They have a huge amount of experience in property valuations and the offer making process and they know how important each professional is in their role in helping ... Read more