mortgage

Applying for a mortgage, whether you’re buying your first home or remortgaging, can feel like a daunting task. While you might be putting it off, tackling it sooner could save you money and make it well worth your while over the long term. As mortgage advisers, we’re here to help you find the right mortgage for your needs, and offer ...

Even if your current mortgage deal doesn’t expire for a few months, searching the market now could be worthwhile and might even save you money. You can usually lock in a new mortgage deal up to six months before your existing one ends. While it might seem like a non-essential task right now, tackling it sooner rather than later could ...

Finding a mortgage with a poor credit score may seem like an uphill battle, but it isn’t impossible. If you’re an aspiring homeowner but are worried about how your credit report could affect your chances, read on to discover some of the steps that might help. 1. Save a larger deposit As lenders will view you as more of a ...

Preparing to buy your first home can be exciting, but it might also be a milestone you’re feeling apprehensive about. Not only will you be making a large financial commitment, but the process of buying a property can seem complex and filled with jargon. Indeed, according to a survey from Halifax, more than half of under-35s admit they don’t feel ...

Interest rates are expected to fall in 2025. If you’re a homeowner, it could present an opportunity to reduce your mortgage repayments and boost your finances overall. The Bank of England (BoE) increased the base interest rate when inflation was high as a way to slow down the rising cost of goods and services. Between December 2021 and August 2023, ...

During the Autumn Budget, chancellor Rachel Reeves unveiled an increase to Stamp Duty that could affect buyers of second homes and property investors. The temporary higher thresholds for Stamp Duty are also set to end in 2025 and could lead to larger tax bills when buying property. Read on to find out what you need to know about the tax. ...

Paying off your mortgage might come with a sense of relief and far more financial freedom. If reaching that milestone as soon as possible is one of your goals, there are ways to pay off your mortgage quicker.  Being mortgage-free could open up doors for you. Without mortgage repayments, you might be able to travel more, retire sooner, or simply ...

When you’re taking out a mortgage, it can be difficult to understand the terminology, which might seem like it’s filled with jargon and acronyms. Indeed, one such term “loan-to-value” or “LTV” can be confusing. If you’re unsure what LTV means, read on to find out and discover why it could be important if you’re searching for a mortgage. LTV is ...

While the Bank of England (BoE) has started to cut its base interest rate, many homeowners with fixed-rate mortgages that end this year will still see their outgoings rise. If your mortgage deal comes to an end, read on to discover five sensible steps you might want to take. According to a report in the Times, around 153,000 mortgage deals ...

Labour secured a majority in the general election, and their manifesto included several pledges that could affect the property market over the coming years. Read on to discover three pledges that could have an impact. Labour has pledged to build 1.5 million new homes Over the next five years, Labour has pledged to build 1.5 million new homes. Demand for ...