Mortgage application information | A Mortgage Now

Key issues around applying for mortgages and costs of mortgages

6 times income interest only residential mortgage

6 times income interest only residential mortgage

One of our Specialist Lenders is now offering high income multiple residential mortgages at up to 6 times household income with the option to take the lending on an interest only basis. In order to qualify you need: Household income in excess of £100,000 per annum No credit issues in the past 36 months Deposit […]

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Leeds Building Society Existing Customers rates from 1.49%

Leeds Building Society Existing Customers rates from 1.49%

Leeds Building Society Mortgage rates from 1.49% Existing Leeds Building Society borrower? Looking to switch to a new Rate? Make one simple phone call to 020 8979 9684 No need to book an appointment with a Mortgage Adviser Fixed rates for existing Leeds Building Society borrowers 2 year fixed rate 1.69% until 31st March 2020 […]

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How to obtain your Experian Statutory Credit Report.

How to obtain your Experian Statutory Credit Report.

Experian will provide a copy of your for credit report under its statutory obligations for cost of £2. This means that to obtain your experience credit report you do not need to sign up for an account on any subscription basis, free or otherwise. Below we outline how the process works. Search Use your browser […]

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Stamp Duty Land Tax Relief for First Time Buyers

Stamp Duty Land Tax Relief for First Time Buyers

In today’s budget the Chancellor, Philip Hammond, announced Stamp Duty Land Tax Relief for First Time Buyers to start today 22nd November 2017. The relief is available on all properties up to £500,000 purchase price where all buyers are ‘First Time Buyers’. We have already had a number of queries from our clients about this […]

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How to download your Bank Statements Online

How to download your Bank Statements Online

Why do Mortgage Lenders ask to see Bank Statements? Primarily to: Ensure no payments have been returned Ensure any overdraft limit is not exceed See income being banked as per wage slips See existing rent or mortgage payments going out Spot regular payments that have not been listed on the application The importance of your […]

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Mortgages for over 50’s

Mortgages for over 50’s

In recent years we are presented with more and more over 50’s mortgage borrowers looking for assistance. Borrowers born in the 1950s, the 1960s, and now even the early 1970s, are increasingly concerned about their mortgage options and the limited mortgage terms being offered to them. Why can mortgages for over 50’s be a problem? […]

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Worried about the security of your gifted deposit?

Worried about the security of your gifted deposit?

It is becoming increasingly common to gift a child or close family member funds towards their deposit on a property purchase. But what happens where there is another party involved, the spouse or partner of your child? In the event of a later split, do you really want to see your child’s ex-partner going off […]

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Mortgages and Complex Deposits

Mortgages and Complex Deposits

Deposits on mortgage applications are not always straightforward transactions with cash from the buyer’s savings. Below are some examples of unusual mortgage deposit situations that can be accommodated. Yes, you can borrow your deposit. example Dad lends his son Tom £40,000 towards his home purchase. Tom has agreed to pay Dad back over 5 years […]

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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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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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