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Category Archives: Mortgage Know How
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, … Continue reading
Could a longer “marathon” mortgage be right for you? Here’s what you need to know before choosing a 40-year mortgage
2020 proved to be a whirlwind year for house prices. Despite the economic slowdown caused by the coronavirus pandemic, the average UK house price rose £13,316, with the Times reporting that it reached an all-time high of £230,920.
Should I overpay on my mortgage? Here’s what you need to know
If you’ve got extra cash to spare, you might be considering making overpayments on your mortgage. Overpaying could reduce your monthly repayments, shorten your mortgage term, and save you money in interest. However, it isn’t necessarily the right decision for … Continue reading
Your complete guide to mortgages
At some point in our lives, most of us will need to take out a mortgage if we aspire to own a home. Yet, mortgages and the process of securing one can still be filled with jargon and other complexities. … Continue reading
How can a first time buyer get a mortgage?
They say buying a house is one of the biggest financial decisions you’ll ever make, and for any first time buyer this is a daunting prospect. The mortgage market can be a difficult place to navigate and this is especially … 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 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 →