Key issues around applying for mortgages and costs of mortgages
No Stamp Duty Land Tax up to £500,000 The Chancellor, Rishi Sunak, announced today that the zero rate band of Stamp Duty Land Tax is to rise from £125,000 to £500,000 from today until 31/03/2021. This means that any purchaser buying and completing before 01/04/2021 at up to £500,000 will pay no standard stamp duty […]
Mortgage application timescales – slashed with our online service Online service- it takes just 7 minutes to apply No meetings No paperwork No fuss Whole of market advice Offer in principle 24 hours (in most cases) Full Offer 10 days (in most cases) Upload your details to us in minutes using our secure online systems […]
Problems accepting your new Santander Mortgage Rate online? We find Client’s sometimes find the Santander online mortgage acceptance process confusing. When you select a new mortgage rate, Santander email you with a link to a web page where you can view your new mortgage offer and accept your new mortgage rate online. The most common […]
CheckMyFile – 4 credit reports in one CheckMyFile offer a credit report covering your data from 4 credit reference agencies including – Equifax, Experian and TransUnion. This is available now on line FREE for 30 days, then £14.99 a month, you can cancel anytime. Our video shows you how to download your CheckMyFile credit report […]
TransUnion (Credit Karma) – formerly CallCredit Noddle can offer you access to your Statutory Credit Report online for free in less than five minutes. Our two minute video takes you through how to download your TransUnion credit report
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 […]
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 […]
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 […]
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 […]
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 […]