Did you know your credit “rating” doesn’t actually exist?

Credit ratings are often heralded as one of the most important things you need to improve in order to borrow money, especially for a mortgage.

But did you know that you don’t actually have a credit “rating”? That number you might check each month isn’t really a metric that lenders see when deciding whether you’re creditworthy. Continue reading

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5 interesting things the pandemic has taught us about the housing market

Covid has been a shake-up for pretty much every industry and sector imaginable, as lockdowns prevented trade and forced many businesses to furlough staff over the past year and a half. Continue reading

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Why business insurance is more important than ever

Covid created an entirely unprecedented situation that will live long in the memory of everyone involved, but especially for business owners.

The pandemic has made many business owners take stock and realise how quickly you can go from operating one day to not at all the next. Continue reading

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Moving out of the city? 5 of the best UK seaside towns to move to

For many people, lockdown emphasised the importance of having space at home to relax outside of the four walls of your living room.

Now, with many trading in office chat by the water cooler for home working and Zoom calls, moving away is more viable than ever. Continue reading

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Is it safe to prioritise savings over life insurance?

Life insurance is an oft-ignored piece of protection, especially by younger people.

You may see it as a waste of money that you’ll never see a return on, especially when your family could simply use the savings you’ve built up if the worst happened to you. Continue reading

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Guide: 10 things that could increase the value of your property

Talking about homes and property values is something of a pastime in the UK. Property is probably among one of the largest assets we own, so it’s not surprising that we want the value to go up. Continue reading

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Could negative interest rates save you money on your mortgage?

Interest rates in the UK have been low for a while, with the Bank of England (BoE) cutting the base rate to 0.1% last March in a pre-emptive response to the coronavirus pandemic.

However, the central bank has now indicated that it may go one step further, writing to financial institutions and asking how prepared they would be if negative interest rates came into effect in the next six months. This would mean taking the base rate to below zero for the first time in the bank’s 326-year history. Continue reading

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Self-employed mortgages may now be more affordable

Over the past year, many self-employed workers have found it tough to get the mortgage they need.

If you run your own business or are a sole trader, you may have found yourself essentially locked out of the mortgage market, as lenders tightened their affordability criteria for self-employed mortgages during the coronavirus pandemic. Continue reading

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What are 95% loan-to-value mortgages and how could they help you?

One of the most notable announcements from the chancellor’s spring Budget was the news that the government would be reintroducing government-backed, 95% loan-to-value (LTV) mortgages.

Helping people get onto the property ladder was a key part of this government’s manifesto, and so this scheme is the first step in their efforts to turn “generation rent” into “generation buy”. Continue reading

Posted in Edinburgh Mortgage Advice, First Time Buyers, Government Schemes, House Prices, Mortgage Know How | Leave a comment

Guide: 10 ways to make the most of your garden in 2021

After a year of lockdown measures, our gardens and outdoor spaces have become far more important. In fact, more than half of people say they get a good deal of pleasure from their garden. With spring arriving, now is the perfect time to invest in yours.

Our latest guide aims to help you get the most out of your garden, whether you love entertaining outdoors, want a space to relax, or even grow your own vegetables. Did you know almost four in ten people already grow some of their own food?

Gardening doesn’t just provide you with a beautiful extension to your home, it can help you remain active and improve wellbeing too. Whether you’re a beginner or a budding Alan Titchmarsh, you should find something in the guide to help get the most out of your garden this summer and beyond.

Download 10 ways to make the most of your garden in 2021 to read more.

We hope you find some useful tips and inspiration for your garden.

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