Once upon a time, in land where mortgages were offered with little or no questions asked, the self-employed borrower could dress up their business accounts however they thought best. Today, creative accounting can prove to be a costly error. …
Tailoring a mortgage for you
As Independent Financial Advisers when we recommend a mortgage we tailor the mortgage to your specific needs and circumstances. Before you come to your appointment it is good to have an idea of what you might want whether you are…
Buy-To-Let Reborn
Since April 2016 the buy-to-let market has dramatically slowed down mainly due to the introduction of the extra 3% stamp duty land tax imposed on the purchase of a second property. In the grand scheme of things, if you…
The mortgage application process for first time buyers
When you start looking into purchasing your first home it can all seem very overwhelming. However if you have an idea of how the mortgage application process works this can help you know what to expect. Once you have your…
Resolution Motivation
The year 2017 is now well under way, and it is around this time of year when many peoples New Year’s resolutions go out of the window. My goals of eating well and exercising came to a halt on January…
Time to refresh your finances
“New year, new me”, that’s what everyone says. I’m all for making a new years resolution, but how many of us have made it past the first few weeks of January before we give in to our denied favourite…
Niche Mortgage Risk
When you find a property that you fall in love with, many people will do anything in their power to make sure they can buy that house, regardless of the costs and risks which may be involved. It can make…
Reviewing Your Level of Cover
We all know how important it is to have insurance policies in place to protect us from unfortunate events, but what may not be so obvious is the need to review the level and term of your cover regularly to…
Price Vs Cost
The words ‘price’ and ‘cost’ seem interchangeable, but actually they can be two very different things. For example when you buy something online, the price may be £100, but when you add postage, the overall cost comes to £105. The…
Should I overpay?
Many clients are now asking me the question “can I make overpayments on my mortgage?” This comes to no surprise as interest rates are usually so low at the moment, when taking out a new mortgage the monthly repayments are…