Saving for a deposit is the biggest hurdle for many first-time buyers in the UK. But with the introduction of the 100% Loan-to-Value (LTV) mortgage, also known as the no-deposit mortgage, that barrier has been removed for eligible renters. First launched in 2023, this mortgage product allows qualified buyers to purchase a home without needing... Continue reading
It is possible to remortgage with credit card debt, as long as you are generally able to prove that you can afford your monthly repayments. Assuming you are able to do this, you may still face some restrictions on the amount lenders are willing to lend to you. You could also find that any mortgages offered will... Continue reading
There used to be a time where you could obtain a ‘Self Certification Mortgage’ which didn’t require any proof of income, however this is generally now not the case. Today, proving your income is an essential part of getting a mortgage. Mortgage lenders will use your proof of income to help determine your affordability for... Continue reading
We’re specialists in ensuring our clients have the right mortgage for their circumstances. And even when faced with difficult or unusual circumstances, our friendly, experienced team pull out all the stops to do everything we can to get our clients their dream home. Here is a selection of case studies which demonstrate where we’ve helped... Continue reading
If your income is below the national average (which currently sits at around £31,772 per year), then buying a house and taking on a mortgage which may run for the next 25 years or more, may feel like a pretty daunting financial commitment. Having a low income can make getting a mortgage large enough to... Continue reading
Let’s face it – the mortgage market can feel pretty daunting. If you don’t know exactly what you’re doing (and most people don’t), then all the different lenders, deals and jargon can make your head spin! This is exactly why mortgage advisers exist – it’s because mortgages can be complex and people need help navigating... Continue reading
Yes, you can remortgage to buy another property. You may wish to purchase a holiday home somewhere or a property to fix up and then resell for a profit. Perhaps you’d like to have a buy-to-let property as an investment. Whatever your motivation, there’s no reason why some of the equity that you’ve built up... Continue reading
We’re certain that no-one would want to pass up an opportunity to save some money on their regular bills – particularly in the current economic climate. Sadly, however, there isn’t a magic wand that you can wave to simply reduce your monthly outgoings. Although, there are plenty of ways that you can potentially reduce your... Continue reading
Yes, in most cases you can fully own a shared ownership property. You do this through a process called ‘staircasing’ which involves purchasing additional shares in your property over time, usually in batches of 10% or larger. You can do this gradually until you reach 100% full ownership. In this article, we’re going to explain... Continue reading