With the recent outbreak of Coronavirus, it has brought the financial strain of illness to everyone’s attention. For a long time as mortgage and protection advisers we have faced resistance to the take up of life insurance and income protection. …
Payment Free Mortgages for the over 55’s
Most people with a mortgage will have always had it in mind that they wanted it paid off by the time they retire. There is, however, a type of mortgage that you can have for the rest of your life…
Right to Buy
If you are a tenant of social housing you may have the ‘Right to Buy’ your property from the council. Below I will discuss what you should consider if you are eligible for this scheme. Firstly, you are purchasing…
Misconceptions of the first time buyer
When you have never purchased a property before it can seem a daunting process becoming a homeowner. Being faced with mortgage jargon, and expected to understand things you have never experienced before can leave even the most laid back person…
Discount Purchases
January sales have been and gone, however, we are tempted by sales, promotions and discounts all year round and often they are not as good as they initially seem. Property can also fall within this same sentiment. Perhaps you have…
Is It Worth Overpaying On Your Mortgage?
In this day and age many mortgages taken out have a fixed rate over an advantage period of 2, 3, 5, 7 or even 10 years. During these advantage periods the vast majority of the mortgage products have penalties to…
Is This the Year for You?
Often Christmas is a time that people get together and celebrate, which can lead to many conversations over the dinner table. Maybe you have been thinking of buying your first home or perhaps considering moving to a new home. These…
Setting yourself up for a happy new year
Christmas is on the horizon and its one of the times of the year where our usual frugal spending habits can be forgotten. But in order to avoid a stressful start to 2020, its important to make sure you keep…
Accountants Too Good?
Mortgages, both now and in the past, have required affordability checks. For the self employed your income will typically be assessed based on what your tax year overviews and tax calculations show. Historically when the old self cert mortgages were…
Building your Credit Profile
I have discussed first time buyer information, including hints and tips many times previously, however there is something that crops up on a regular basis. Many people are aware (some are not) that if you have any form of adverse…