Credit reports look at your borrowing history and how you’ve managed to pay back any money you’ve borrowed in the past. They’re put together by the three main credit reference agencies in the UK; TransUnion, Equifax and Experian. Every time you borrow and repay money, your credit score builds up in the background based on your [...]
Worried about mortgage lenders withdrawing their products and deals? The mortgage market is going through another unpredictable time with mortgage lenders withdrawing mortgage deals and increasing rates in a reaction to the recent news that inflation is slowing at a less- -than-expected rate. Do you need to remortgage now? If you’re due to remortgage now, don’t [...]
Life after your Fixed Rate mortgage. Why plan ahead of your fixed rate ending? The earlier you plan your remortgage, the more mortgage options you have! And in the current economic climate, it really does pay to know your options. An expert adviser can find the deal for you. If you’re due to remortgage in [...]
Busting re-mortgaging myths. Your circumstances have changed – will you be able to re-mortgage? We all know life doesn’t stay the same. Our jobs, our relationships, our financial circumstances, they all evolve over time. So, if our lives are constantly changing, why should our mortgage stay the same? Your life may have completely altered since you [...]
We were recently mystery shopped by FT Adviser magazine and the results were what will strive daily to obtain, scoring 35/35 and being the 'shopper's choice' when compared to three other brokerages, below is the full article: MYSTERY SHOPPER: WEST LONDON Each week the mystery shopper seeks advice from independent advisers in the UK. The aim [...]
It wasn’t so long ago that my wife was pregnant and the issue of maternity leave and pay was high on the agenda. If you’re in the position where you need to move during a period of maternity leave then a lender’s stance can be dependent on the period left before you return to work i.e. [...]
Given the demands of current living more and more workers want a more flexible approach to how they work. As a contractor you will be deemed as being self-employed and the vast majority of lenders will require at least two years’ accounts, basing affordability on net profit for a sole trader or remuneration and dividends for [...]
Another tax year has just passed us by and for the self employed, attention will turn over the coming months to submitting your tax return for 2017/2018. Conversations will take place with accountants with a view to mitigating the tax liability as far as possible, but by being overzealous you may find if you’re looking to [...]
Switch on the TV or look in the paper and you’ll see one of the largest credit agencies encouraging you to check your credit report. They’ll go as far as providing you with a credit score which is all important when securing any type of finance. It is important to understand that there are things that [...]
If you’re still sitting on your lender’s standard variable rate (SVR) or will shortly be reverting to a SVR there is no time like the present to consider switching or re-mortgaging onto a fixed rate. Make sure you fully understand the terms of the product, specifically the early redemption charges as there are still situations when [...]
