Mortgage application information | A Mortgage Now

Key issues around applying for mortgages and costs of mortgages

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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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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Mortgages for older borrowers

Mortgages for older borrowers

Can I get a mortgage as an older borrower? Yes you can, up to age 105* To age 65 is no problem for all lenders To age 70 is acceptable for many lenders To age 75 is managed by a few lenders To age 85 has started to become available to the market To age […]

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Understanding your ESIS Mortgage Illustration

Understanding your ESIS Mortgage Illustration

New EU ESIS mortgage illustration document – how to find what you need Confused by the new EU ESIS mortgage illustration document which replaced the old style document for many mortgage lenders earlier this year? Can’t find the key information you need? We are not surprised, the layout is a new ESIS document bears little […]

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Protecting your business

Protecting your business

What to consider Your input is integral to your business. Perhaps it is you who is the main revenue earner within the business. Perhaps you generate sales for the business. Or is it your organisational skills that keeps the profit rolling in. Whatever the situation, if you are not available on Monday morning profits will […]

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Protecting your family

Protecting your family

What to consider In the event of your death you are no longer supporting your family, unless you make provision to do so now. Loss of the main, or supporting income to the family home will make a dramatic difference to the lifestyle of the family. This will have to be managed in addition to […]

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Protecting your home

Protecting your home

What to consider What you want to happen to your home in the event of your death? Do you have family or dependents who share the home with you? If so, are they in a position to continue to pay the mortgage without you and without your income. If not you need to put mortgage […]

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