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Category Archives: Mortgage Industry
The Importance of Your Credit File
In the world of financial transactions, especially when securing a mortgage, one’s credit file stands as a testament to their financial behaviour and trustworthiness. Yet, it’s a common misconception that only ‘perfect’ credit will pave the way for smooth mortgage … Continue reading
Mortgage repayments jumped by 61% in 2022. Here are 3 ways to make yours more cost-effective
If your mortgage payments have gone up in the last year, you’re not alone. Since December 2021, the Bank of England (BoE) has raised the base rate 11 times, with the rate standing at 4.25% as of April 2023, compared … Continue reading
Posted in Mortgage Industry, Mortgage Know How
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How the 2023 mortgage “price war” could benefit both homebuyers and homeowners
If you have been keeping an eye on mortgage rates since the end of 2022, you will know that there were some headline-worthy market shifts in recent months.
What will happen to mortgage rates in 2023? Read an expert’s take
If you have been searching for a mortgage deal for a few months, you will know that the market took a somewhat unfavourable turn in the final months of 2022. Indeed, many lenders had been raising rates steadily over the … Continue reading
Posted in Mortgage Industry
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Help to Buy – The facts
Here are the facts about Help to Buy written in plain English to help you understand whether either of these finance schemes are right for you. Who is Help to Buy aimed at? Help to buy is aimed at those … Continue reading
Buy to Let with CCJ or Defaults – Good news
Good news for Landlords under the cosh. Precise mortgages have revamped their Buy to Let (BtL) range with a couple of exciting changes. On prime loans the loan to value is now up to 80% and that makes the number … Continue reading
Posted in Buy to Let, Lenders, Mortgage Industry, Mortgage Know How
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Edinburgh Mortgage in the Press
Here is the latest press for Edinburgh Mortgage. Friday 27th April. A blog from Telegraph head of finance Ian Cowie, quotes us about the issues facing customer with homes but unable to move their mortgage. http://blogs.telegraph.co.uk/finance/ianmcowie/100016722/homebuyers-become-prisoners-in-their-own-property/ On Sunday 23th April, … Continue reading
Posted in Interest Only, Interest Rates, Mortgage Industry
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What have the romans,sorry, tweets ever done for us brokers?
What have the romans tweets ever done for us brokers? I am a huge fan of twitter, its snippet banter, up to the second news. It gives an overall breadth and depth that I would have never imagined possible in … Continue reading
Posted in Mortgage Industry, Press Comment
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Mortgage Know How Part 1 – Mortgage Over-payment
This is the first in a set of posts to highlight mortgage features that you could make use of:- Overpayments drive down the total amount and term you pay 1. Over-payments – most mortgage providers will allow you to overpay either monthly or by … Continue reading
Mortgage rates reach record low
In recent months, some of the best mortgage rates I’ve ever seen have come onto the market. There’s no doubt that the Funding for Lending Scheme, the joint initiative of the Government and Bank of England to get lenders lending … Continue reading →