March 19, 2019

The M Word

Money is a bigger taboo than religion or politics, according to new YouGov research commissioned by Lloyds Bank. Half (50%) of UK adults believe that talking about personal money matters is taboo in everyday conversation; higher than sex (42%), religion (26%) or politics (14%). As a result, the lender is […]
March 18, 2019

Tax free season

Research published by Santander this week shows four in ten people are considering a move towards putting money into a Cash ISA during the 2019/2020 tax-year, with rising interest rates cited as the biggest reason. The analysis is encouraging with so many people considering putting their money into ISAs this […]
March 8, 2019

Of your own free will

Ahead of Free Wills Month in March, research from Royal London reveals a quarter (26%) of people with a will do not discuss it as they do not want to think about dying. The research also found that one in four (27%) do not want to upset beneficiaries by discussing […]
March 6, 2019

Are you a Millennial?

Millennials could save a whopping £10.5 billion a year by making minor changes to their spending habits, new research from Barclays found.  More than two-thirds (67 per cent) of millennials admit they don’t save enough – or anything at all – with new findings showing that the average 20-37-year-old spends […]
March 1, 2019

How do I get a BTL mortgage if the rental income is short?

Since the Prudential Regulatory Authority (PRA) changed the way that buy to let (BTL) mortgages are underwritten, the rules around BTL mortgages have become more strict. This has meant that some BTL investors have been unable to borrow the same level of BTL mortgage that they could previously borrow under […]
March 1, 2019

How do mortgage lenders view self-employed mortgages?

As the end of another tax year draws to a close, we have seen an increase in the number of enquiries from self employed people looking for a mortgage as they look to forward plan. It’s no secret that sole traders, limited company directors and contractors can find it difficult […]
March 1, 2019

February 2019 – Update

With house prices remaining at a plateau – the start of the year proved to be an attractive market for first time buyers.  There has been an increase in the number of FTB’s purchasing their property and with the stamp duty exemption scheme and more lenders offering competitive incentives (free […]
February 27, 2019

First Time Help

The mortgage industry helped 370,000 people buy their first home in 2018, the highest number in twelve years according to UK Finance, the trade body for High Street Banks. It has highlighted competitive deals and government schemes such as Help to Buy continuing to boost the market. Homeowner remortgaging also […]
December 31, 2018

Failing to Prepare is Preparing to Fail

As we start another year, it’s common for people to review their finances. It’s also common for people to start thinking about mortgage requirements for the year. Whether your plans involve moving, improving, saving or investing with a mortgage, it’s important to plan ahead. Here are some common issues that […]
December 29, 2018

January 2019 – Update

Firstly, I would like to wish you all a very happy and prosperous New Year. The end of the year saw the Bank of England have its last Monetary Policy Committee (MPC) meeting of 2018 and holding the Base Rate at 0.75%.  With the increased uncertainties surrounding Brexit in the […]