Let’s dive in. Have you considered how maternity leave could impact your mortgage? We are here to help with our key strategies and tips. You’ve got lots to plan and prepare for with the arrival of a bundle of joy. Let us take the stress out of your mortgage worries as we clear up [...]
Let’s discuss the new first-time buyers' 99% mortgage with £5k deposit by Accord Mortgages. As you might have guessed from the name, a 99% mortgage allows you to take out a mortgage with only a 1% deposit. This could be a fantastic opportunity for those struggling to buy a house. Think renters who already [...]
Hot on the topic of weddings, we dive into another significant life event. Here's our mortgage guide for first-time buyers… Do you know the difference between a fixed and a variable mortgage? Have you heard of 'loan to value'? Are you curious about what help is available for first-time buyers? Or are you a [...]
Are you coming to the end of a fixed rate mortgage or have your circumstances changed? For example, a new baby or job? We do a deep dive into one of the more complex concepts of mortgages and why your circumstances might affect them. Have you heard of ‘stress tests’ before? Introduced in 2014, [...]
2023 undoubtedly wreaked havoc with many of our finances with the cost-of-living expenses rising and interest rates causing uncertainty in the mortgage market. So, with a New Year now underway, it isn’t too late to set our New Years’ resolutions for your finances to help combat the ongoing cost increases. Check out our handy [...]
Recently the headlines have been dominated by rising mortgage rates, which has made it quite overwhelming for many people managing their monthly mortgage payments, along with the ongoing cost of living crisis. Nevertheless, there's some positive news on the horizon. Over the past few weeks, several major UK lenders have announced rate reductions, offering [...]
On 3rd August, The Bank of England increased the base rate for the fourteenth time in a row to 5.25%. But what does that mean? And what is the effect on your mortgage? If your current mortgage deal is looking to end in the next 12 months, you have options you can explore now: [...]
When it comes to managing your mortgage, there often comes a point where you need to make a decision that could significantly impact your financial future. Two common options that homeowners consider are mortgage product transfers and remortgages. While both choices offer unique advantages, the importance of seeking advice from a professional mortgage adviser [...]
You may have seen that a number of lenders have signed up to the Governments recently created Mortgage Charter (Mortgage Charter - GOV.UK (www.gov.uk), which provides further support and flexibility to residential mortgage customers. These are: Anyone worried about their mortgage repayments can call their lender for information and support, without any impact on [...]
Whether you're dreaming of a modern kitchen, a luxurious bathroom, or expanding your living space, funding your home renovation project can be a challenge. However, there are two options worth considering: applying for a further advance or applying for a remortgage. Further advance If you're happy with your current mortgage, applying for a further [...]
