2012

Property and the rules of intestacy

Property and the rules of intestacy

Intestacy and property in England and Wales If you are resident in England or Wales is important to hold a valid Will and write any life insurance you hold into trust where appropriate. If you die without a valid Will this is known as being ‘intestate’ and the value of your estate is distributed under […]

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A Mortgage Now joins Google mortgage broker panel

A Mortgage Now joins Google mortgage broker panel

A Mortgage Now are working with Google We are pleased to announce that we have been selected by Google as one of their mortgage brokers providing advice to UK borrowers under their new mortgage comparison service. The Google ‘search mortgages’ tool is driven by mortgage sourcing software which enables vistors to see details of available […]

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Mortgage lending and Japanese Knotweed

Mortgage lending and Japanese Knotweed

Watch out for Japanese Knotweed One of our major lenders has today issued a new warning and details of lending policy realting to Japanese Knotweed. The policy of all lenders will be similar in relation to this plant and both buyers and homeowners should take care if Japanese Knotweed is seen anywhere near their existing […]

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What is APR

What is APR

What is APR (annual percentage rate) and how is it calculated? Our client asked us – ‘Further to the figures provided, I am trying to understand how the APR comes to 5.2%, given the underlying rate of 3.79%.  I appreciate that the APR will take into account the fees etc, but the ones set out […]

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1.99% fixed rate

1.99% fixed rate

1.99% fixed rate exclusive We are pleased to announce we now have an exclusive fixed rate mortgage product priced at just 1.99% (fixed until May 2015). Available for re-mortgages or purchases at up to 60% loan to value, the product carries a modest £1,495 arrangement fee. PLEASE HURRY IF YOU WANT THIS RATE It is […]

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Look around for growth

Look around for growth

When are we in a recession? What are the signs? How will we know when the property market is back in a period of growth?   The last five years have been a barren period for the property market. Restricted lending has made purchasing difficult and lack of buyers reduces prices and property values. Without […]

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SA302 and Tax Returns

SA302 and Tax Returns

The tax system for the self-employed Our thanks to our friends at David Howard Accountants for this background information on tax for the self-employed. If you are self-employed and hope to arrange a mortgage in the future you need to ensure you are submitting your tax returns so that you can access your SA302 certificates. […]

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mortgage lender fees – BBC watchdog

mortgage lender fees – BBC watchdog

Mortgage Lender Fees Mortgage Lender Fees and Watchdog Once again this week BBC Watchdog is gnawing at mortgage lenders ankles – this time on the subject of fees. The programme stated that mortgage arrangement fees had risen by 70% since 2008. The view of the members of the public interviewed seemed to be that mortgage […]

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Taking the plunge?

Taking the plunge?

Congratulations to Felix Baumgartner on an incredible and inspiring jump yesterday. If you are considering ‘taking the plunge’ and buying your first home (or just moving up), the good news is that you do not have to be as brave as Felix. Let our expert mortgage brokers take the stress and worry away from you. […]

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BBC Watchdog – credit report errors

BBC Watchdog – credit report errors

BBC Watchdog credit report errors Yesterday’s credit report segment on the BBC’s Watchdog programme was interesting and informative and made some good points. The team at Watchdog explained how credit reports on everyone are held by Exprian, Equifax, and CallCredit and how these reports are not always 100% accurate. One concern we did have is […]

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