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Category Archives: Mortgage Know How
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
What is an “offset mortgage” and could one be right for you?
If you are a homeowner, your monthly mortgage payments may have increased in the last few months. Or, perhaps your fixed-rate deal is coming to an end and you’re concerned about what your repayments will be at that time? Similarly, … 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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The Benefits of Using a Mortgage Adviser for Your Mortgage
Are you planning to buy a home but don’t know where to start with the mortgage process? Consider using a mortgage adviser to help you navigate the complex world of home loans. Here are some of the top benefits of … Continue reading
95% remortgages available
There has been lots of talk about the new Government Schemes helping people get on the ladder. But what about the people who are already on the ladder? Well we have a lender that can help people remortgage up to … Continue reading
Top 5 reasons to choose a 5 year Fixed Rate mortgage
Are you wondering whether to go for a 2, 3, 4 or 5 year fixed rate mortgage? Over the past few months there have been some great headline rates on offer for short term deals – but are they really … Continue reading
What mortgages are available? A few pointers
OK so you have decided to move/buy/remortgage, but like most people starting out don’t know if there are any lenders in the market able/willing to help and the scare stories in the press make it look like there is no-one … 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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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 →