April, 2013

Stamp Duty Paid for First Time Buyers

Stamp Duty Paid for First Time Buyers

Use the Lender’s cash for Stamp Duty We are pleased to announce that we now have access to a range of first time buyer mortgage products under which the lender will pay your stamp duty land tax on your purchase in full. This can mean a saving of up to £2,500. Pay rates on these […]

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Triple your return with buy to let

Triple your return with buy to let

Where to buy for best buy to let returns A recent report from a major UK Bank analysed the potential of the 50 UK locations with the maximum private rental housing stock and ranked them on yield for buy to let investors. The top five were Southampton, Blackpool, Hull, Manchester, and Nottingham, with yields of […]

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What is independent mortgage advice?

What is independent mortgage advice?

Why seek independent mortgage advice? Independent mortgage advice is what you receive from an independent mortgage broker, but what actually is ‘independent mortgage advice’? Let’s break it down into it’s three component parts to see. Mortgage A mortgage is a legal agreement by which a bank or building society lends money in exchange for interest. […]

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Adverse Credit Mortgages Checklist

Adverse Credit Mortgages Checklist

Adverse credit? Need a mortgage? If you have adverse credit history and are seeking a mortgage there are options available to you via specialist mortgage brokers and lenders. If you can answer yes to the following seven questions you have a very good chance of obtaining a mortgage in spite of a poor credit history. […]

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Get debt free

Get debt free

Keeping debt down ‘Neither a borrower nor a lender be’ wrote Shakespeare some 400 years ago. But then he never had to buy a new van for work, or get the central heating fixed. For most people in the UK today, borrowing is a key part of their financial planning, whether it be through mortgages, […]

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21 reasons to use a mortgage broker

21 reasons to use a mortgage broker

21 things to consider regarding your mortgage Here are 21 factors that can cause issues for mortgage lenders in the current market Age Bankruptcy Bonus payments County court judgements Credit Card balances Defaults Debt Management Plans Gifted deposits Interest only applications IVAs Late credit payments Maternity Pay New builds Other property in the background Payday […]

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Get your credit report on paper

Get your credit report on paper

Credit reports in 20th Century style We sometimes find clients have problems using the websites of the three main UK credit reference agencies. In particular, they can find it difficult to obtain printed copies of their credit files. There is a facility to print to pdf (portable document format) on each website, but if you […]

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Help to Buy example

Help to Buy example

Help to Buy – key details A number of our clients have asked us how the help to buy scheme will help them to buy following it’s launch this week. Help to buy scheme – principles The currently launched phase of the help to buy scheme is designed to assist a buyer of a newly […]

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