Mortgage application information | A Mortgage Now

Key issues around applying for mortgages and costs of mortgages

Same day property valuation on your mortgage

Same day property valuation on your mortgage

Need an immediate valuation on your property Buying a property, it is a competitive business – are you under pressure to show your commitment to your vendor through arranging a valuation? Free same day property valuation We have mortgage lenders with super competitive rates that will instruct your valuation, for free, on the same day […]

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NatWest lowers mortgage affordability calculation caps

NatWest lowers mortgage affordability calculation caps

NatWest Mortgage affordability to reduce Mortgage affordability is generally assessed across three factors by Lenders in the current market. 1. General affordability This is an assessment of how net income fits with expected outgoings. Each lender calculates this in their own way with different rating to various expenditure elements such as family size, existing debt, […]

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Stamp duty land tax and transfer of equity

Stamp duty land tax and transfer of equity

Do you need to pay SDLT on Transfer Stamp duty land tax on a purchase is a known cost for most property buyers. However, what many struggle to understand are the stamp duty land tax implications when all or part of the value of a property is transferred to them. For example, is there tax […]

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Legal Quotes

Legal Quotes

Conveyancing quotes online Use our legal quotes engine to establish the cost of the legal work associated with your sale, purchase, or remortgage. Our panel solicitors work nationally and offer: Savings – competitive rates Fairness – the price you see is the price you pay Convenience – online case tracking 24/7 Communication – Email and […]

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Zero hours employment contracts and mortgages

Zero hours employment contracts and mortgages

Flexibility on zero hours makes mortgage applications complex If you have a zero hour’s employment contract you may find it difficult to obtain a mortgage since not all lenders will accept a zero hours contract as a suitable basis for employment. Where zero hours contracts are accepted by lenders, the majority will look for a […]

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Mortgage application timescales

Mortgage application timescales

How long does it take to arrange a mortgage? So you have found your ideal property and are excited about the prospect of living there – you can see yourself working in the garden or perhaps sitting in the conservatory. Now the worries start – Will we get a mortgage? Will the valuation be OK? […]

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New mortgage rules and what to watch out for

New mortgage rules and what to watch out for

Key mortgage issues to consider Here is our list of potential hurdles when applying for a mortgage or re-mortgage. The list is designed to give you a heads up as to where there may be an issue with your mortgage application. Listed below are a number of areas which course particular concern with mortgage applications. […]

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A two-week wait for mortgage appointment?

A two-week wait for mortgage appointment?

Why wait 14 days? Has your bank told you that you cannot see their mortgage adviser within the next two or even three weeks? This scenario has become increasingly common since the mortgage market review on 26 April. Perhaps the biggest concern for mortgage applicants in the new environment is that a two-week wait to […]

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Your existing lender and product switches post MMR

Your existing lender and product switches post MMR

How Lenders will now handle product switch applications On this page we explain: Why swapping products with your existing lender may not be straightforward? What factors are likely to cause an issue? How to ensure you are not disadvantaged? Why it is best to use a mortgage broker for product switches Your broker will advise […]

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Mortgage Market Review – Borrowers Guide

Mortgage Market Review – Borrowers Guide

As a borrower or prospective borrower you may be concerned as to how the changes will effect you and your chances of obtaining a mortgage.
We have therefore put together our ‘Borrowers Guide to the Mortgage Market Review’.

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