May 31, 2020

Should I Remortgage to Pay Off Debt?

Whether out of necessity, precaution or having the time due to lock down, people are reviewing their finances. Many people see a remortgage as a sensible way to restructure debt, but there are things to consider. Will You Save Money? Yes and no. Yes, it will more than likely reduce […]
May 30, 2020

Return of the Housing Market?

Lock down made purchasing a property virtually impossible. However, in May we have seen restrictions eased for Estate Agents, Surveyors and Solicitors. Mortgage numbers have increased and this includes products for people with lower deposits. So is this the return of the housing market? Bounce Back? We have definitely seen an increase in […]
May 10, 2020

Are Lenders Agreeing Mortgages for Self-Employed Business Owners?

Business owners and the self-employed can find it difficult to get a mortgage at the best of times. COVID-19 and the resulting lockdown has made this even more of a challenge. However, mortgage lenders also face challenges of their own. These include their staff working remotely, surveyors in lockdown and […]
May 9, 2020

Can You Still Get Equity Release Mortgages During Lockdown?

It’s encouraging to see how lenders and solicitors have evolved their processes around Equity Release during the COVID-19 Lockdown. Initially, there were challenges around remote working. Then there were challenges around property valuations and independent legal advice. Some large provider such as Legal and General, LV and Aviva are now […]
May 9, 2020

How hard is it to get life insurance at the moment?

Can I still get life insurance during the Covid-19 Pandemic? This is a question we have been asked quite a few times since the outbreak of Covid-19. The good news in a nutshell is Yes, you can still get life insurance. Even if you have had or have been in […]
May 9, 2020

Equity Release Market Set to ‘Boom Under Virus’

A recent report from Financial Adviser indicates that some experts believe the demand for equity release is set to increase as a result of COVID-19. One of the reasons for this is due to consumers looking to use equity release to supplement retirement income as markets ‘tumble’ If this is […]
April 19, 2020

How hard is it to get a mortgage at the moment?

It’s been a hectic few weeks in the mortgage market. Some reports could have you believing there was another credit crunch. Fortunately, that’s not the case. There were initial challenges for mortgage lenders. Mainly these were – Restructuring due to social distancing Managing demand for payment holidays Carrying out valuations […]
April 13, 2020

Income protection Is it still available and do I really need it?

We’re getting many enquiries asking if income protection is still available and if it’s really necessary. First of all, if you’re unsure of what income protection is then here’s a explanation; If you were to become unwell or suffer an accident which meant you were unable to work and therefore […]
April 7, 2020

Is life insurance an unnecessary expense in the current climate?

It’s at time liked these, when we’re facing uncertain time ahead, loss of income, unable to carry out day to day activities and even ill-health we look at everything we’re doing financially.
April 5, 2020

Are there still options for Pension Pot / Investment Portfolio Mortgages?

Another of our specialist niches is mortgages based on assets rather than earned income (usually pensions post for later life borrowers and/or investment portfolios for HNW clients). Given what has happened in the markets, the general feedback from lenders in the sector is that they are still looking to lend, […]