Self-employed? How much do you earn for mortgage purposes?

Self-employed? How much do you earn for mortgage purposes?

We often find that our self-employed applicants are unsure what to consider as their ‘income’ for mortgage purposes when making a mortgage application. This is not a simple question. What a self-employed applicant can consider as income will depend on the mortgage lender there using and most importantly their trading style. Other factors include ownership […]

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Buy to Let Mortgages for maximum lending and minimum cost?

Buy to Let Mortgages for maximum lending and minimum cost?

Which type of buy to let mortgage lender is suitable for your needs? Did you know? Some buy to let mortgage lenders will lend you nearly twice what others will Some buy to let mortgage products will cost you double what others will Buy to let investors, like all business people, have differing needs for […]

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Bank of England drops base rate to 0.25%

Bank of England drops base rate to 0.25%

The Monetary Policy Committee today dropped Bank of England Base Rate to 0.25% What the market has done (5th August 2016) The following Lenders have said they are cutting their: Tracker Rates Mortgage Changes Barclays – now for new customers, 1st September 2016 for existing customers Coventry BS from 1st September 2016 Halifax from 1st September […]

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Save on your mortgage get off standard variable rate

Save on your mortgage get off standard variable rate

Save money on your mortgage now Mortgage borrowers on standard variable rate could be overpaying by nearly £300 a month. Our analysis shows that borrowers still on lender’s standard variable rates will be paying up to £290 per month more in interest than necessary (based on a £100,000 mortgage). How much are you wasting every […]

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10 year fixed rate mortgage at just 2.39%

10 year fixed rate mortgage at just 2.39%

Are you worried about the impact of the Brexit vote on the UK economy? Concerned about the potential for rising mortgage costs? Prefer the stability of knowing exactly how much each mortgage payment will be every month? In your ‘forever home’ and working on paying the mortgage off in full Then you may be attracted […]

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Virgin Money Mortgage Brokers

Virgin Money Mortgage Brokers

We are Virgin Money mortgage brokers and we can help you with Virgin Money mortgage applications or indeed applications to mortgage lenders across the whole of the UK market. Why are Virgin Money promoting mortgage brokers? Virgin Money have realised that the new rules around mortgage regulation make it beneficial for most borrowers to source […]

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Virgin Money mortgages – new deals from 1.44% – existing customers only

Virgin Money mortgages – new deals from 1.44% – existing customers only

Virgin Money Mortgage deals – existing customers Today’s Virgin Money Mortgage Rates 2 year fixed from 1.74% 3 year fixed from 1.94% 5 year fixed from 2.19% Existing Virgin Money Borrower? Call us now on 020 8783 9952 Virgin Money Mortgage Deal Switches are handled by our team online at no cost to you Virgin […]

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Brexit and mortgages

Brexit and mortgages

Following yesterday’s vote by the British electorate to leave the EU, many mortgage holders will be asking how this may affect them. We are all aware of how uncertainty and volatility can affect the market, as witnessed in 2008. Many more cautious mortgage borrowers will already be on fixed-rate products, and they will know that […]

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Buy to Let 2.99% No Fee Exclusive Re-mortgage Option

Buy to Let 2.99% No Fee Exclusive Re-mortgage Option

Do you have an existing buy to let property with a modest sized mortgage secured on it? Are you looking to re-mortgage on a competitive fixed rate? Are product fees a problem? How about a 2.99% two year fixed rate with zero product fees? Just £250pm on a £100,000 mortgage – no product fee – […]

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Mortgages – how much can I borrow?

Mortgages – how much can I borrow?

How much can I borrow from a mortgage lender? Perhaps the most common question asked by potential mortgage borrowers, and yet in many ways the trickiest one to answer. Pick the wrong mortgage lender and you may be offered maximum mortgage lending over 20% lower than a total figure available to you. Pick an unsuitable mortgage […]

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