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Author Archives: Mark Dyason
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
Can trees cause subsidence? Here’s what you should know
With the warmer weather here, now is the perfect time to get outside and spend some time improving your outdoor space. Planting new trees and shrubs is an excellent way to spruce up your garden, and doing so can even … Continue reading
Posted in Edinburgh Mortgage Advice
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2 lesser-known buy-to-let rule changes that landlords should know about
The UK’s buy-to-let landscape has changed significantly since the pandemic. According to data published by the Office for National Statistics (ONS), private rental prices increased by 5.1% in the year to June 2023. But in some areas, the Guardian reports, … Continue reading
Posted in Edinburgh Mortgage Advice
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What is the government’s new mortgage charter, and how can it help homeowners?
In order to tackle rising inflation, the Bank of England (BoE) has raised the base interest rate 13 consecutive times since December 2021. As of June 2023, it now stands at 5%. Rising interest rates is one of multiple factors … Continue reading
Posted in Edinburgh Mortgage Advice
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100% Mortgage launched for people with experience renting
Skipton Building Society have launched a new mortgage, ‘The Track Record,’ where the buyers do not need a deposit. The product’s aim is to answer the complaint ‘we cannot save a significant deposit is because they are paying such high … 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
The government has extended the Energy Price Guarantee. Here’s what you should know
In his spring Budget on 15 March, the chancellor, Jeremy Hunt, announced that he would extend the Energy Price Guarantee (EPG) until the end of June 2023. So, what exactly does that mean for your bills and what will happen … Continue reading
Posted in Uncategorized
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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 average first-time buyer deposit has passed £60,000. Here’s how you can help your adult children
With the average price of a home increasing consistently throughout the last few decades, first-time buyers are facing serious affordability challenges.
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.
