Getting Prepared for a Mortgage
Purchasing a home is one of the biggest financial decisions many people will make in their lifetime. Whether you’re a first-time buyer or moving up the property ladder, getting a mortgage can feel overwhelming. However, being thoroughly prepared can make the process much smoother and help you secure the most suitable deal. This guide explores […]
A Guide to the Home Buying and Mortgage Process for First Time Buyers
Buying your first home is an exciting milestone, but it can also be a complex process. Understanding the steps involved can help you navigate the journey with confidence. This guide will take you through the home-buying and mortgage process, ensuring you are well-prepared from start to finish. Understanding Your Budget Before you start looking at […]
A Look-Back at House prices in 2024
The year 2024 proved to be a pivotal period for the UK housing market, marked by economic shifts, evolving buyer preferences, and fluctuating interest rates. As affordability remained a key concern for many, house prices reflected a mix of regional disparities and broader market trends. With UK house prices ultimately ending the year up 4.7% […]
Own New Scheme – Approved Broker
Introducing the New Own New Scheme for Homebuyers – We’re an Approved Broker Navigating the path to homeownership can be daunting. However, there’s good news for prospective buyers! Introducing the ground-breaking Own New scheme, poised to revolutionize the way people purchase new build homes. In this blog post, we’ll delve into the details, exploring its […]
Bad Credit Mortgages
Can I still get a Mortgage if I have Bad Credit? Purchasing a home in the UK can be a daunting task, especially if you have a less-than-perfect credit history. But, don’t worry; there are options available that can help you achieve your homeownership dreams. In this article, we will explore what a bad credit […]
Remortgaging in the UK
When people think about obtaining a mortgage they usually think about buying a new home. However, most people only buy a few properties in their lifetime and so the opportunity to remortgage will occur far more frequently than obtaining a mortgage to buy a new home. I do speak to many people who have never […]
100% Mortgage – Everything you need to know (2023)
Can I buy a house without a deposit in the UK? The short and simple answer is yes! With the recent re-introduction of 100% mortgages this is now an option that has become available again. What is a no-deposit or 100% mortgage? A 100% mortgage is where you don’t have to put down any […]
Why should you use a mortgage adviser?
What is a Mortgage? Before I get started on why you should use a professional mortgage adviser, let’s talk about what a Mortgage is. In simple terms a mortgage is a loan secured against a property. This can be for a property that you want to live in (residential), or for an investment property that […]
Why use a broker?
“I can just go to my bank and they will give me a mortgage?” “Why would the banks give you a better rate when I can go direct to them?” “I’ve been on a comparison site and I’m going to do it myself…” Are just some of the comments I frequently hear from customers as […]
Getting on the property ladder
“I didn’t think I could buy a house” AS A BROKER, THE MOST COMMON PHRASE I HEAR FROM FIRST TIME BUYERS IS “I DIDN’T THINK I COULD BUY A HOUSE” For me, whilst I have been in the industry for over 18 years, the feeling of gratitude from someone achieving something they didn’t think they […]