When applying for a mortgage it can be quite daunting if you’re self-employed. You may already be aware that there are more obstacles in your way than someone who is employed, for example lenders will ask for more information to back up the income information...
We knew that it was coming, but were any of us really prepared for such a rapid increase in the cost of living? In November, the government and Bank of England implied that there would be no increase in the base rate before Christmas after...
We like our readers to be well informed. Many people contact us asking about remortgaging and other tactics to help their affordability, but remortgaging isn’t always the answer. More and more lenders are encouraging borrowers to remortgage early by waiving penalty fees. You might even be...
As popular mortgage advisers in Ascot and the surrounding areas, we often get asked the question “why should I use a mortgage broker?” It’s a tricky one to answer quickly. Everyone thinks that with enough research they can find a deal which suits them and,...
For a number of years the biggest issue for first time buyers getting on the property ladder has been trying to save a hefty deposit while paying extortionate rent. For many young people living in the south of England, particularly in and around London a one...
When you are doing your own research about which mortgage might be suitable for you it’s easy to get overwhelmed. There are so many different deals out there from so many different lenders, banks, brokers and building societies it’s difficult to know which will be...
Last month you probably would have received your annual mortgage statement. It’s the piece of paper you get from your mortgage lender that can be a bit depressing, but don’t just file it away – make sure you check through it first. What does your statement...
In November of last year (2017) we reported that the base rate had increased and predicted that this might actually prompt an increase in mortgage lending activity. Many people recognised that the current fantastic mortgage products would only be available for a short period of...
At the end of 2017 we saw the Bank of England increase the base rate by 0.25% and the threat that there were more rises to come. However, uncertainty over Brexit and other factors affecting the economy has caused the housing market to slow, forcing...
We would like to take this opportunity to wish all of our friends, family, clients and readers a very Merry Christmas and Happy New Year. Aside from the bank holidays, we will be open over the holiday period so if you have any queries about mortgages...