December 2, 2019

Do I need a credit report for a mortgage?

There’s no getting away from it, it’s harder to get a mortgage than ever before. This is due to issues such as increased regulation, tighter underwriting and stricter affordability requirements. If you are looking for a mortgage, especially if you have a low credit score, complex income, are self employed or […]
November 28, 2019

Brexit Mortgages

Earlier this year, Virgin Money launched a 15 year fixed rate mortgage which was referred to as a ‘Brexit Proof Mortgage’. Since then, it has been reported that 10 year fixed rate mortgages are at the lowest level they have ever been. Longer term fixed rates may seem like a […]
September 8, 2019

Remortgage Planning

There are many reasons to remortgage which include – Getting a better rate An existing product coming to an end An existing mortgage coming to an end Restructuring existing debt Home improvements Divorce or separation Transfer of equity Holidays New Cars Gifting money to family Investment into a business Buying […]
September 8, 2019

Mortgages From The Bank of Mum and Dad

A recent report has suggested that parents are spending so much money helping their children onto the housing ladder that they are now one of the biggest lenders in the UK. The report indicated that the average contribution from parents this year is £24,100. This is up more than £6000 […]
August 25, 2019

Protecting your loved ones

One of the first questions you should ask yourself when deciding if to take any form of life insurance is very simple “Will someone in my life be financially effected if I die?”. If the answer is yes – then you should be considering these insurances very seriously.  Albeit not […]
August 18, 2019

Don’t Delay

Research from Nationwide Building Society’s Payday Saveday campaign reveals procrastination is costing people an average of £449 each year or almost £30,000 (£29,200) over their lifetime. The national poll of 2,000 adults in the UK shows that 57 per cent have been caught out financially by leaving things to the […]
August 3, 2019

Bo-Jo, Our Prime Minister

So Bo-Jo is our new prime minister and the countdown to Brexit is publicised daily. Who can predict what will happen on the 31st October 2019 (other than the copious amounts of kids knocking on your door for sweets) but this year could well see the finale of a trick […]
August 3, 2019

A different twist to Bank of Mum and Dad

The bank of Mum and Dad is still as popular as ever but with this “modern” bank being there to help their children, parents still (rightly so) want to protect their investment. If Joint Borrower/Sole Proprietor doesn’t quite fit the bill and the little cherubs needs more than help with […]
July 12, 2019

Going Green

The government has launched its Green Finance Strategy, to increase investment in sustainable projects and infrastructure, while ensuring the UK remains an international leader in decarbonisation and meets its 2050 net zero carbon emissions target. The UK’s financial services sector has been placed firmly at the heart of efforts to […]
July 5, 2019

Saying Goodbye to the Vanilla Days

It’s fair to say that the days of vanilla lending are becoming few and far between.  Go back 15 years and the word “sub prime” was a regular occurrence.  Since the crash in 2008 the surviving lenders backed away from this type of lending but over the last 18 months […]