Firstly, I must start by saying that most Mortgage Lenders will NOT take Buy to let rental income into consideration when you are looking to purchase a property to live in. They will merely make sure the mortgage … Read More →
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Mortgages for Care Workers
If you reading this article you are probably in the care professionand found it difficult to get a mortgage, this is where we may be able to help. At Niche Advice we will work with the mortgage lenders … Read More →
How long should I fix my mortgage for?
10 Year Fixed rate choices The Bank of England Governor, Mr Carney told the BBC in April: “Prepare for a few interest rate rises over the next few years.” In wake of the news some Mortgage Lenders reacted … Read More →
Ex Pat mortgage options – remortgage a UK property when you are abroad
Ex Pat mortgage – buy to let or second home solutions The Ex Pat mortgage products often evoke a plethora of questions so I have picked on some of the more regular ones and provided a frequently asked questions summary before … Read More →
GDPR Newsletter Update
You will have received finance Newsletters from me down the years which I hope you have found helpful. A mortgage is likely to be the greatest outgoing in your life, and digesting regular guidance could truly save money, … Read More →
How much mortgage deposit do I need to buy a property
A mortgage deposit is the amount you are contributing towards the purchase of the house. It is does not factor in moving, legal or tax costs; it is solely the difference between the purchase price and the mortgage … Read More →
Joint Borrower Sole Proprietor Mortgage
Happy to go on your children’s mortgage but do not want to trigger higher stamp duty You’ve probably heard the countless radio ads saying you can guarantee a personal loan but what about guarantor mortgages? In the 80s … Read More →
Pay day loans have stopped me get a mortgage
I need to borrow money on my property but I have a track record of Pay Day loans For a large section of society Pay Day loans are the norm however many mortgage providers shy away from lending … Read More →
Tracker Mortgage vs Fixed Mortgage
Whats the difference between Tracker Mortgage Products and Fixed Rate Mortgages? We often get asked the differences between a fixed and tracker mortgage so we’d thought the summary below would be useful. Of course, every clients needs are different so … Read More →
How to mortgage a property left to you in a will
What happens to a mortgage after the death of a family member? Existing lender wanting their money back on a property and don’t want to sell we can help. Mortgage Lenders can show their ruthless side in the … Read More →
Should I take the free legal scheme offered by my mortgage provider?
Are free legal products a gimmick? Most of the leading lender’s and building society’s offer a free legal basic service on remortgages – but why? The mechanics Firstly, the Conveyancers will not be undertaking their work for love … Read More →
Bankruptcy Mortgage Criteria
A look at Mortgages for discharge bankrupts Recently bankrupt – mortgage options are shortening Mortgage Lenders will have their own rules and policies on discharged bankrupts and so I thought I would take a quick look at the … Read More →
Managing your mortgage following the rate rise
Concerned about your mortgage payments There has literally been a whole generation that has not experienced a hike in mortgage interest rates until this month. The Governor of the Bank of England has also hinted at two further … Read More →
Managing your mortgage following the Interest rate rise
Concerned about your mortgage payments after the recent Interest rate rise read on. There has literally been a whole generation that has not experienced an Interest rate rise until this month. The Governor of the Bank of England has … Read More →
Guide to Second Mortgage products
[logoshowcase cat_id=”5534″] Consolidate personal debt, Raise money , Pay tax bill, complex income streams a second mortgage might be the right solution for you. Money can be tight particularly in the months of December, January and February so I thought I’d … Read More →