Expert mortgage advice | A Mortgage Now

Mortgage Advice and key issues relating to mortgage lenders, products, and application.

Kensington Mortgages Advice

Kensington Mortgages Advice

Use us to assist with Kensington Mortgage applications Kensington Mortgages are on advertising on Talk Sport – have you heard them on the radio recently? As an independent advisers who specialist in applications to Kensington Mortgages we can help you apply to Kensington for specialist self-employed lending. Kensington feature in their product range: Mortgages for […]

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Mortgage illustrations and the Mortgage Credit Directive

Mortgage illustrations and the Mortgage Credit Directive

From 21st of March 2016 the UK mortgage market is subject to additional legislation under the EU driven Mortgage Credit Directive (MCD). As a result of this, mortgage lenders are required to change the format of the way they illustrate mortgage products from the current ‘key features illustration’ style to the new ‘European Standardised Information […]

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Our terms of business

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Choosing a mortgage broker

Choosing a mortgage broker

How to find the mortgage broker for you Finding a mortgage broker to handle your mortgage or re-mortgage application is a two stage process. Firstly you need to identify suitable brokers and then establish which broker is best for you and your needs. Identifying mortgage brokers is the easier part of the process, choosing the […]

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How to deal with an Estate Agent

How to deal with an Estate Agent

Careful with those agents! We often find our mortgage applicants are troubled by the actions of the Estate Agents that they have to deal with when seeking, viewing, and making offers on property. We hear complaints of: Agents refusing to take an offer without proof of mortgage Insistance that the buyer uses the Estate Agents […]

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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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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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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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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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