Owning a home is a journey filled with paperwork, financial evaluations, and anticipation. A pivotal step in this journey is mortgage approval—the moment a lender trusts you enough to lend you money. However, many hopeful applicants face rejection. If you’re...
Read moreSaving for a deposit is a big step on your journey to buying a home. If you’re a first-time buyer in the UK, knowing how tosave effectively is key in today’s housing market. With average deposits reaching around £61,000, a smart saving plan iscrucial. Here are some...
Read moreThe debate between renting and home ownership has long been a prevalent topic in the UK, where a variety of economic factors and personal circumstances shape housing decisions. In recent years, the UK housing market has experienced considerable fluctuations, impacting...
Read moreThe blossoming of the property market each spring is influenced by several factors. Economically, the end of the financial year in April may encourage buyers to proceed with purchases, armed with a clearer understanding of their finances. Psychologically, the renewal...
Read moreHow to Enhance House Viewings For a Fast Sale Selling your home is a significant milestone, and viewings play a crucial role in securing a successful sale. Creating a welcoming, attractive, and memorable environment for potential buyers can greatly enhance the appeal...
Read moreTHE CURRENT MORTGAGE MARKETThe start of 2024 has brought awave of optimism to the UK housingmarket. Rightmove reported a 1. 3%increase in average home prices fromDecember to January, marking themost significant rise for this periodsince 2020. Additionally, the...
Read moreSETTING FINANCIAL GOALS FOR THE NEW YEAR UNDERSTANDING YOUR CURRENT MORTGAGE SITUATIONBefore setting new goals, it’s crucialto evaluate your current mortgagesituation. Are you on a fixed-rate orvariable-rate mortgage? How manyyears are left on your mortgage? Whatis...
Read moreEPC regulations require landlords to obtain an EPC rating when selling or renting a property. Despite the changes, properties still require an EPC rating although there is no longer a requirement for new tenancies to have a rating of C or above. While the discussions...
Read moreBefore your mortgage comesto an end, it’s crucial to exploreyour options. It’s importantthat you start planning yourmortgage options at least sixmonths before the end of thefixed rate period. Consult withyour mortgage adviser/brokerto determine which option suitsyour...
Read moreSecured finance options for the rural and agricultural sector to enable people to diversify, sustain, grow and improve their businesses. Financing this sector can be more challenging as many traditional sources of finance have disappeared. Loans can be used for the...
Read moreThe goal of the MortgageCharter is to make thingseasier and fairer for customerswho want to buy a home. It makes mortgages lessconfusing, stops lendersfrom giving out risky loans,and makes sure customersare treated fairly. It’s all abouthelping people achieve...
Read moreAverage mortgage rates have been falling slowly throughout August, despite expectations that the Bank of England will continue raising rates. Despite forecasts that the base rate could peak at 5. 75% early next year from 5. 25% now, a number of lenders have slashed...
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