Use Mortgage overpayment without changing your product and contract. In this article, I reveal the impact of how adjusting your mortgage repayment strategy using Mortgage overpayments can substantially financially benefit you rather than the bank. Sure, Mortgage Lenders … Read More →
News
Remortgage a residential property to buy another
5 Things to consider when you Remortgage a residential property to buy another Releasing equity to buy another property using a remortgage is common in the UK but it is not always as straight forward as you may … Read More →
Niche Mortgage Information
Speak directly to the experts – we are FCA regulated Mortgage Brokers dealing with Niche Mortgage Information every day. Niche Advice is a Financial Conduct Authority (FCA) regulated Mortgage Broker and helps customers obtain niche mortgage information, and … Read More →
How long does a mortgage Offer last for?
Mortgage Offer times for Major UK Mortgage lenders. A mortgage Offer sets out the basis of a mortgage contract. There may be certain conditions to fulfil ahead of Completion such as pay off debts to make the mortgage … Read More →
Who runs a soft and hard credit checks at AIP
What you need to know about an Agreement In Principle AIP also known as a Decision In Principle DIP The earliest stage in a mortgage is an agreement in principle (AIP) and it can involve a credit check … Read More →
Interest only mortgage – Is it a bad idea?
Is getting an Interest only mortgage a bad idea? An interest only mortgage does want it says on the tin, you are not repaying the money you’ve borrowed, simply paying for the privilege of doing so. Its’s common … Read More →
What is a repayment mortgage?
How taking out a Repayment Mortgage will affect you. With a repayment mortgage you are repaying the loan instalments, along with interest being charged for borrowing the money, so that at the end of the term you have … Read More →
Furloug Mortgage Process
Furloughed what happens with getting a Mortgage I am a professional Mortgage Broker and in this article I cover the topic of furloughed workers in relation to obtaining a mortgage. I don’t know about you but until a … Read More →
Mortgage Valuations Problems during COVID 19 Crisis Tips on what to do.
Property visits by Surveyors are suspended under Government “stay at home” guidelines. What this means for all Mortgage Valuations & Surveys. Many lenders have pulled back from hight to loan to value lending. but some can run desktop … Read More →
Debt Consolidation Options for Homeowners
What you need to know before you opt for Debt Consolidation Methods of Debt Consolidation There are many things to be wary of when it comes to Debt Consolidation. I’m a Professional Mortgage Broker and I’ll run through … Read More →
Buy to Let Tax Advice is a Must
Surely Buy to Let Tax Advice has got to be the way? I’m a professional Buy to Let Mortgage Adviser who as a matter of course always suggest my landlords seek tax advice. The offset of interest relief … Read More →
Bank of England’s Interest Rate Reduction
So how will this affect Mortgage rates Variable mortgage holders rejoiced as they woke up this morning to the news that Bank of England has reduced Bank Base Rate to 0.25% from 0.75%. It is estimated £1million households … Read More →
What’s next after a Decision In Principle (DIP)?
What happen’s after we have secured formal Decision In Principle (DIP)?
Right to Buy Mortgage – Frequently Asked Questions
Lets answer some of your Right to Buy Mortgage questions Follow my recent youtube video which can be seen by clicking here a whole host of questions where asked by prospective Righ to Buy Mortgage clients so I … Read More →
Mortgage Lenders Affordability Calculations
What is the basis of Mortgage Lenders affordability Calculations How National Statistics has become part of the mortgage assessment. Mortgages are loans against a property, and importantly failure to keep up with repayments can result in losing your … Read More →