Is mortgage advice worth it? We think so. Take the stress out of homebuying with a qualified adviser. Buying a house is one of the biggest financial commitments you can make and, for most of us, a mortgage is an essential way to get there. But the mortgage market can be complex, and the time and [...]
Do you keep meaning to sort out your will? We can help you. Life is busy, we get it. But is anything more important than being in control of your future? Recent research suggests that only 53% of UK adults have made a will, which means that you’re far from alone if you haven’t yet got [...]
Income protection – one little change you can make to protect your family’s financial future. As a parent, providing for your children is a top priority – from making sure they have food on the table, to ensuring they have the extras they need in life. Putting income protection in place means you’ll always be able [...]
The cost of buying a house: explained We break down seven common costs associated with buying a home. A deposit is the tip of the iceberg when it comes to buying a home. From legal fees and buildings insurance to stamp duty and removals, there’s a host of smaller costs that can rapidly build up if [...]
Do you feel like you have to jump through more hoops when applying for a mortgage just because you’re self-employed? And not sure which way to turn? We’re here to help. We are mortgage advisers and we can help you navigate the self-employed mortgage market and any of the challenges you may face. What is a [...]
Buying a home and taking on a mortgage is often the biggest financial commitment a person will make in their lives. With this in mind, protection polices offer great financial security, not just to protect you, but to protect your family, your income and even the loan itself should the worst happen. However, a barrier stopping [...]
How can the Bank of Family support first time buyers? With gifts and loans from the Bank of Mum and Dad totalling a whopping £9.4bn in 2023, it would be one of the UK’s biggest if it was a real bank or lender. Given the clear affordability challenges still facing house buyers – particularly first timers [...]
What are the pros and cons of 100% mortgages? A 100% mortgage is, very simply, a home loan which allows the buyer to purchase a property without putting down any money (or a deposit) up front. Prior to 2008, it was common for lenders to offer deposit-free mortgages as standard, with some even allowing consumers to [...]
Jargon Buster: What are the key mortgage terms every first-time buyer should know? Buying a house can certainly be a daunting experience, especially when it’s your first time doing so. What doesn’t help is the wealth of jargon and terminology used during the mortgage process and throughout the entire journey to buy your new home. If [...]
Six key factors that can affect your first mortgage application Applying for your first mortgage is an exciting milestone, but it can also feel overwhelming. Lenders assess numerous factors to determine your eligibility, and some seemingly minor financial decisions can significantly impact your application. To help you secure approval, here are six key areas to focus [...]
