If the population is asked “what is your most valuable asset” often the answer will be your house. But this isn’t necessarily correct. Your most valuable asset is you, in the sense of your future potential income. Over your working…
Market Timing
For some of us there may be certain points in our lives when we consider timing the housing market. Whether we are buying our first home, upsizing, downsizing, or selling a property without buying another, if we believe there is…
Remortgage Ready
If you are thinking of remortgaging there are a few things you should keep in mind, whether you are remortgaging for a better deal for the same amount of money or wanting to lend more to consolidate debt or fund…
The base rate cuts effect on mortgages
On 4th August 2016 the Bank of England announced it was cutting the base rate from 0.5% to 0.25%. Assumptions were made that this would make a difference to home owners outgoings, giving us all a little bit more money…
Looking on the bright side of life insurance
One of the things I struggle to understand is the negative attitude towards life insurance. I personally see this product as a family saver as it comes to rescue in the worst situations and makes them a little bit easier…
A helping hand to get on the mortgage ladder
There are many more schemes available now to enable first time buyers to get on the mortgage ladder. Most lenders are now offering 5% deposit mortgages, however for those who will still struggle to afford a mortgage of 95% or…
Property vs Investments
There are usually two types of investors in this world, those who like to buy company shares and those that like to buy property. It can be difficult to convince either one of these groups to change their philosophy, but…
My top tips for getting mortgage ready
Buying your first home can seem like an absolute maze but with guidance from fully trained professionals it doesn’t have to be an impossible task. My first tip is when you first start considering buying a house in the future…
Don’t Bother With Flexible Mortgages
One of the products I get asked most about, which are usually very little use for the majority of people, are flexible mortgages. On the face of it, they sound great, they allow you to make unlimited overpayments without any…
Why renting is not “dead money”
Many people refer to the money they pay every month when renting a property as “dead money”, however I do not necessarily agree with this. Having a roof over your head whether you rent or you own your home is…