The age limit for paying off some mortgages has risen to 85 – three years beyond current UK life expectancy. It’s good news for older people who may have feared lenders wouldn’t touch them, but what are the implications of your mortgage outliving not just your job, but you too? Owning your own home
Is your income as unpredictable as the British weather? Savings interest rates getting you down? Are you wary of locking up your liquid assets in your home? Then you may be interested in a flexible way to borrow and save at the same time. Is it a bird? Is it a savings account? Is it a
When it comes to one of life’s biggest challenges – buying a home – your credit file can be your best friend, or your worst enemy. But maintaining a good credit history can be a tricky balancing act, and you may not realise how easy it is to make yours wobble by accident. There are many advantages to having
Being your own boss has many perks, but a smooth mortgage process isn’t usually one of them. So we’ve thrown down a few tips here to ensure that your application doesn’t have feet of clay. Back in the bad old days, the self-cert mortgage seemed like a magic wand for all who wanted to own
Some mortgages seem to give with one hand, while taking away with the other. Here’s how to get past all the sleight-of-hand and find out which is really the best mortgage deal for you. Mortgages are confusing. Some are very confusing. Some are so confusing that it seems as if they’ve gone to a special
Holiday homes are exempt from the new buy-to-let tax treatment, so if you have a cottage going spare then there could be sunny days ahead.
You may be more-or-less familiar with the home-buying process, and you might be confident of getting a mortgage. But this uber-stressful experience can still trip you up many times before you get those keys (and afterwards, too). Be ready for anything with these lateral-thinking tips. Article by Nick Green.
Apparently, a lot of young people are brimming with confidence about climbing on the property ladder. Really? A recent survey suggests they may not be ready for the harsh reality. Are you an optimistic millennial? Or are you just in denial? (If you don’t know what a millennial is, then they might be your kids
We’re well into ‘mortgage season’ – the peak time of year for buying a property. House prices are rising and competition is fierce. Whether you’re racing to secure your dream home, or simply struggling with a mortgage-related puzzle, it pays to keep these tips in mind. Mortgages are more elusive than they used to be.
Are you planning to buy to let? Or perhaps you’re a landlord already. Whether you’re a first-timer or hope to expand your property portfolio, take some tips for success from professional landlord Stuart Cunningham.
The 10 year mortgage, where your rates are fixed for a whole decade, is still a rare beast but has started to hit the headlines. On the face of it they may appeal to some people – but is such a mortgage really worth considering, and who might want one? Matt Harris of Dalbeath Financial
‘Hope for the best, prepare for the worst’ is sound advice. But many mortgage holders are only doing the first part. If you’re buying a home but don’t have a repayment protection plan, then you could be blinding yourself to one of the biggest risks of all. Imagine if it became legal to drive without