One of the things we ask all our clients is do you have a will. We find that many people do not have a will. However, we believe this is a very important aspect of your financial plan. If something…
Separation and Divorce
Frequently we need to assess our finances and expenses and a significant time in your life when you will do this is if you are experiencing divorce or separation. Unsurprisingly the more assets and children you have the more complicated…
Let to Buy
If you are planning for your future, you may be considering purchasing a bigger residential property within the next few years and with that you may also be considering whether to keep your existing property and let it out or…
THE HELP TO BUY ISA CLOSURE
The Help to Buy ISA is closing to new account holders on the 30th November 2019. The Help to Buy ISA is an account which offers a government top up of 25% on what you’ve saved when you use the…
Rise of The Long Term Fixed Rate
Recently a couple of lenders have announced that they are bringing out a 15 year fixed rate mortgage product. This follows the trends of recent years with a rise in longer term fixed rates becoming available, with 7 year and…
Summer Clean
With many people enjoying their summer holidays, with children being off school and perhaps holidaying whether that be abroad or a staycation, it is a very busy (and expensive) time for lots of families. Finances are often stretched throughout the…
The Many uses of a Lifetime Mortgage
Over the years equity release has had a stigma attached to it with people often thinking it is a way that lenders are taking advantage of those over 55. However with the fine tuning of the regulation of mortgages in…
What can your lender do for you?
When we receive the mortgage offer for our clients, a key thing we talk to them about is what the lender can offer them in the future. The three main things being, product switches/transfers, mortgage porting and further advances. Firstly…
Guide for a First Time Buyer
Step 1, get yourself mortgage ready. Let’s assume you have already saved or have a gift from a close relative to fund the deposit, an independent survey, solicitor’s fees, moving costs and any new furnishings you will need. As…
Lenders who understand life’s ups and downs
One of the things that we see a lot of as independent mortgage advisers, is clients who have been made to believe they can’t get a mortgage after being to one of the high street lender and being rejected. However…