Looking back on 2024 – Another year of ups and downs with a lot to be happy about
As 2024 rolls to an end, it’s time for another look back at the year gone and take stock ready for the next 12 months. 12 months of a very different mortgage world (again).I seem to have written ‘roller coaster’ as the introduction to these retrospectives for years now. Looking back over events since the […]
Your mortgage is there for the bricks and mortar, but what’s the neighbourhood like?
When you start looking for a house, you’ll likely begin with a practical checklist. Does it suit your work location? Tick. The right number of bedrooms? Tick. Good schools for the kids? Tick. Within budget? Tick. And so on. All this is very sensible but it’s easy to forget one key factor. Practical is one […]
New House or Older Property – Are You a Fresh Paint or Old Garden Person?
Is it better to buy a new build or an older property and does it affect your mortgage process? Both good questions and both worth spending a little time thinking about. So, let’s look at the benefits of both options as well as what it could mean for your mortgage application. Whether you go new […]
Help Us to Help You – Securing the Best Mortgage Rate
The mortgage market is a strange beast but whatever else happens, there are some things you can do to help us get you the best deal. Rates go up and down, offers come and go, and things change regularly in the mortgage market. Whenever there is a well-publicised change, like the recent drop in interest […]
Taking out a mortgage – What should you do about protecting your finances?
Buying property usually requires a mortgage and that means you are taking on a long-term financial commitment. That also means it is time to think about the right protection for your finances. The pleasure of property. So, this is an article about protecting your financial future when you take on a mortgage. I am not […]
Stamp Duty on House Purchases – What is it and Who Pays it?
When you are thinking about your mortgage, it’s important you, and we as your advisors, consider all the costs of your new property. One of these costs that sometimes cause a bit of head scratching, is Stamp Duty Land Tax (SDLT). You probably just know it as stamp duty. What Exactly is Stamp Duty? In […]
Analysis: How Elections Impact the UK Property Market
The UK property market, an essential component of the nation’s economy, is notably influenced by various factors, with political elections being one of the most significant. The period leading up to, during, and following elections can bring about uncertainty, market fluctuations, and shifts in buyer and seller behaviour. Understanding these impacts is crucial for homeowners, […]
Your buyer has pulled out… Now what should you do?
Imagine this scenario: you’re in the midst of a chain of house sales when suddenly, your buyer pulls out. You’ve already secured a mortgage offer and made an offer on your next home. The clock is ticking, and you must quickly attract a new buyer. Sounds like a nightmare, right? Well, in fairness it’s clearly […]
When you have the choice, why choose a mortgage advisor?
The decision to buy property is a big one. You are bound to have questions and one of the questions you will probably ask at some point is are you better to talk to a mortgage advisor or go direct to a lender? Let’s look at some of the benefits so you can decide what […]
A mortgage for life – What was all the hype about 25-year, fixed rate mortgages?
Something that has generated a lot of chatter recently, has been the possibility that, assuming they are elected, Labour will bring in a series of measures intended to offer some quite different options for homebuyers. One of these is the suggested introduction of a 25-year fixed rate mortgage. Speculation about a new kind of mortgage. […]