Category Archives: Mortgage Know How

The Importance of Your Credit File

Posted on November 1, 2023 by Mark Dyason

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 →

Posted in Credit Files, Edinburgh Mortgage Advice, Housing Market, Mortgage Industry, Mortgage Know How, Poor Credit | 8 Comments

What is an “offset mortgage” and could one be right for you?

Posted on April 24, 2023 by Mark Dyason

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 →

Posted in Edinburgh Mortgage Advice, Mortgage Know How | 2 Comments

Mortgage repayments jumped by 61% in 2022. Here are 3 ways to make yours more cost-effective

Posted on April 24, 2023 by Mark Dyason

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 | 4 Comments

The Benefits of Using a Mortgage Adviser for Your Mortgage

Posted on February 22, 2023 by Mark Dyason

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 →

Posted in Edinburgh Mortgage Advice, First Time Buyers, Mortgage Know How | 3 Comments

95% remortgages available

Posted on February 10, 2014 by Mark Dyason

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 →

Posted in Edinburgh Mortgage Advice, Government Schemes, Help to Buy, Housing Market, Lenders, Mortgage Know How | 3 Comments

Top 5 reasons to choose a 5 year Fixed Rate mortgage

Posted on June 26, 2013 by Mark Dyason

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 →

Posted in Base Rate, Edinburgh Mortgage Advice, Fixed Rates, Housing Market, Interest Rates, Mortgage Know How, Standard Variable Rates | Tagged | 4 Comments

Mortgage rates reach record low

Posted on December 20, 2012 by Mark Dyason

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 →

Posted in Edinburgh Mortgage Advice, Housing Market, Interest Rates, Lenders, Mortgage Industry, Mortgage Know How, Press Comment | 2 Comments

What mortgages are available? A few pointers

Posted on November 19, 2012 by Mark Dyason

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 →

Posted in Buy to Let, Edinburgh Mortgage Advice, First Time Buyers, Mortgage Know How, Poor Credit | 2 Comments

Buy to Let with CCJ or Defaults – Good news

Posted on July 6, 2012 by Mark Dyason

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 | 8 Comments

Mortgage Know How Part 1 – Mortgage Over-payment

Posted on April 5, 2012 by Mark Dyason

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 →

Posted in Interest Only, Lenders, Mortgage Industry, Mortgage Know How | 6 Comments