February, 2012

Accord Mortgages Buy to Let Mortgages Launch

Accord Mortgages Buy to Let Mortgages Launch

Accord Mortgages Launch a Buy Let Mortgage Range Accord Mortgages have entered the Buy to Let Mortgage Market with some keenly priced buy to let products with useful features. We believe these buy to let mortgage products are priced in the right way and will of interest to our visitors and clients. Fixed Rate Mortgages […]

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Self-Employed Mortgage Product – exclusive

Self-Employed Mortgage Product – exclusive

Exclusive Self-Employed Mortgage product ‘Some see private enterprise as a predatory target to be shot, others as a cow to be milked, but few are those who see it as a sturdy horse pulling the wagon’ – Winston Churchill Fortunately, we, and our Lending Partners are keen to support the Self-Employed of this country who […]

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What happened to self-certification

What happened to self-certification

What happened to Self-Certification? Self-Certified Mortgages built a strong presence in the UK Mortgage Market from the nineties until 2009. Initially designed for Self-Employed Mortgage applicants, the Self-Certified (Self-Cert) Mortgage was targeted specifically at Self-Employed applicants with a good deposit and clean credit history. As funds for lending became more readily available due to new […]

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Self Employed Mortgages and Trading Styles

Self Employed Mortgages and Trading Styles

How Lenders underwrite mortgages for the Self Employed Underwriting a mortgage for a Self-Employed applicant can be a complex issue. Mortgage Lenders have differing attitudes and approaches and whether you are a Sole Trader, in a Partnership, or a Limited Company Director makes a big difference. To assist our clients we have a new Self-Employed […]

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Halifax Standard Variable Rate

Halifax Standard Variable Rate

Halifax Standard Variable Rate – are you on it? Do you have a mortgage with Halifax? If so are you on their standard variable rate? Are you aware this SVR is due to increase by 0.49% (to 3.99%) for borrowers who come off of product rates taken from January last year? Halifax standard variable rate […]

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Ex Bank of Ireland mortgage client increased rates solution

Ex Bank of Ireland mortgage client increased rates solution

Ex Bank of Ireland mortgage payer? Avoid increase rates from Bank of Ireland Are you one of the 16,000 Bank of Ireland mortgage customers who were recently transferred to Nationwide under it’s ‘The Mortgage Works’ brand? If so, are you currently enjoying the Bank of Ireland standard variable mortgage rate of 2.99%? Mortgage Rate increases […]

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Abbey Santander reduce maximum offset mortgage size

Abbey Santander reduce maximum offset mortgage size

Offset mortgage choice over £550,000 reduces Abbey Santander today announced that it is reducing maximum lending on it’s offset mortgage product to £550,000 from the current £1 million. We believe this will severely reduce their impact in the offset and flexible mortgage sector as the bulk of the offset mortgages we handle are in the […]

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Interest only mortgage – what is the future

Interest only mortgage – what is the future

Interest only mortgage policy changes Where is interest only going? Abbey Santander today announced they are changing their policy on interest only mortgage applications. They said: ‘We constantly review our offering to ensure it best meets the needs of your clients and following a review of our interest criteria we have taken the decision to […]

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Halifax increase New Build loan to values

Halifax increase New Build loan to values

Halifax increase options for new build borrowers Halifax issued a press release today stating they are increasing maximum loan to value on New Build houses to 90% What does this mean for you as a Borrower? If you are applying for a mortgage as a first time home buyer with a low deposit you will […]

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New Build Indemnity Scheme further news

New Build Indemnity Scheme further news

New Build Indemnity Scheme The New Build Indemnity Scheme is designed to improve conditions for first time buyers in the mortgage lender market by offering additional security and guarantees to the Mortgage Lender without impacting on the client’s position. How the New Build Indemnity Scheme works In simple terms, the Developer/Builder will contribute cash funds […]

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