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
You’ve already got an edge over other buyers with part one of our alternative home-hunting tips. Now we bring you part two, so you can house-hunt like a pro and avoid the most common slip-ups that can see your dream home slipping away.
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
Arranging a mortgage can be a stressful process. So if you’re buying a home, do some homework first and you’ll keep those stress levels down. Armstrong Watson Financial Planning have some tips. The days when virtually anyone could secure a mortgage are long gone. Today, lenders generally insist on rigorous checks to ensure that you
The reform of stamp duty land tax was a highlight of the Chancellor’s Autumn Statement. Giving the buyer of the average UK home up to £4,500 more in spending power, it should also correct price distortions at the old boundary marks, which in turn may get housing chains moving faster. So a lot more people
What should be top of your list before you apply for a mortgage? Matthew Harris, director of Dalbeath Financial Planning, says that checking your credit file can often make a huge difference to the amount banks are willing to lend you. The banks are looking at the credit score of mortgage applicants more than ever,