The UK's largest credit referencing agency Experian claim that home owners and those looking to get on the ladder alike are "confused" by the process of getting a mortgage. They have some pretty eye opening statistics that I would like to share with you: 24% of those...read more
A simple question to some but not all, what is a remortgage? In my 8 soon to be 9 years as a mortgage broker I have come across dozens of clients who weren’t 100% sure what it meant to “Remortgage”. Many believe that if you remortgage you are asking for extra money,...read more
Accord mortgages (a part of Yorkshire building society) the UK’s 9th largest mortgage lender in 2016 are reporting a 60% increase in remortgage applications in June, July and August compared to last year. It is estimated by the CACI that £35billion of mortgages have a...read more
Many first time buyers find the increasing house prices result in getting a large enough mortgage either extremely challenging or not possible. There is however a little known trick which may help, many parents are at a stage in life whereby they might not be able to...read more
Mortgage strategy is reporting that borrowers are benefiting from the lowest average 2 year fixed rate mortgage since records began in 1988. It’s fair to say consumer confidence in the housing market isn’t the highest it has been in the last few years and a possible...read more
We regularly get enquiries from people who need a mortgage but a rocky credit history has caused them trouble getting their hands on the money they need. It’s no secret that if you have recent defaults, missed payments or CCJ’s the high street lenders tend to be turned off and unwilling to help.read more
For most First Time Buyers the hardest part of getting on the ladder is finding the initial outlay of a deposit not the additional costs involved such as Stamp Duty, Solicitors fees and surveys. But what difference does it make if you have pulled together a 5%...read more
Cityam.com have a must read article for all those considering buying a home in Sussex. They report that Seaford, East Sussex saw the 5th largest growth in house prices in the country during 2016 and Shoreham, West Sussex close behind in 9th place. Thousands of people...read more
Whatmortgage.co.uk have reported a drop in the cost for buy to let mortgages this week. With data from the mortgaging sourcing system “Mortgage Brain” they report that buy to let loans with a 20% deposit have seen rate reductions of 4% on 2 year fixed rates since...read more
A study by Which? shows that record low mortgage rates are being offered to First Time Buyers 100 days post Brexit. Not only record low deals but also an extra 13% to choose from. It has been reported by Which? that the average rate has fallen to 2.85% at the end of...read more
The government has announced that the Help to Buy mortgage guarantee scheme is set to end in December after three years. Chancellor Phillip Hammond said in a letter to Bank of England governor Mark Carney that the scheme would not go beyond the end of 2016 as planned....read more
Lovemoney.com have written a great piece today about the drop in rates being charged for buy to let mortgages. Buy to let rates below 2% is something investors would only ever dreamed possible a few years ago and today for the lucky one's it's a reality. To read the...read more
Since the Bank of England cut the base rate to 0.25% on the 4th of August banks have followed suit and significantly cut their rates. The average tracker rate is now 0.19% lower than before the Base rate dropped meaning that almost all of the 0.25% drop is being...read more
Base rate cut to 0.25%read more
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