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New Mortgage Rules and Your Mortgage Application

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New Mortgage Rules and Your Mortgage Application

New mortgage Rules and your mortgage application New mortgage rules came in to force on the 25th April that now focus on the ability of customers to afford their mortgage payments on an ongoing basis . Mortgage lenders are now responsible for ensuring that its customers can afford the mortgage that they provide. The onus […]

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95% mortgages are back – Help to Buy

93 95% mortgage products available – Help to Buy  Below are the sourcing results for a test case to see how many products are available with a 5% deposit to help to buy Prepared 11/04/2014 Lender Panel All Lenders Mortgage Types Fixed, Capped, Discount, Variable, LIBOR Linked and Tracker Repayment Method Repayment Filters Lifetime products: […]

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Help To Buy Mortgage UK Scheme Announced

Help To Buy Mortgage Scheme 2014 The second part of the Help To Buy Mortgage UK scheme has now been put forward from January 2014 with new deals due to be announced this week. Part two of the Help To Buy Scheme offers loans up to 95% on all types of property whilst part one […]

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The UK Mortgage Advice Center Sees Increase in Demand

 UK Mortgage Advice Center The UK Mortgage Advice Center is seeing increasing demand for its services this year and we are able to find more deals for our clients due to the increase in products that are appearing on the market. There are more products available to those with smaller deposits or have  low amounts […]

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Why it is Critical Life Insurance Matches Your Mortgage

While Remortgaging, it’s Critical that Life Insurance Matches Your Mortgage Remortgaging is also a good time to review your life insurance. It is critical life insuarance matches your policy. It is too easy to let this slip and not review your policy. It is critical that your life insurance matches your mortgage amount so that you can […]

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BOE rate stays at 0.5%

 BOE rate stays at 0.5% The Bank Of England rate remained at 0.5%. The rate has stayed the same for the 38th month in row. The BOE rate staying the same indicates that there are concerns regarding a double dip recession and also concerns about increasing inflation at a higher rate than expected. Its going to be […]

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Is your life Insurance policy under trust?

 Is your life Insurance policy under trust? People in the Uk are paying £448 m too much in IHT according to a report that was done by Unbiased. When you take out a life insurance policy you may not have been made aware of the best practice method of putting your policy under a trust. […]

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New Halifax New build Mortgage

New Halifax New build Mortgage Halifax have today launched a new build Mortgage, a 95% Loan To Value deal Halifax are now the fourth lender that have introduces a mortgage for the New Buy Scheme. The other lenders are Barclays, Nationwide and the RBS. Santander have proposed that they will be lauching a product later […]

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Strong Start to the Year for the Mortgage Market

Strong start to the year for the mortgage market According to Connells there has been a very strong start to the mortgage market, the strongest since 2008 in fact. The number of residential valuations has increased within the first quarter and was at 10% higher than the quarter previous. This as a 34% rise when […]

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Buy To Let Mortgages UK

Buy To Let Mortgages UK Buy To Let mortgages have increased in popularity over the last 3 years with according to the council of mortgage lenders. A lot of landlords have increased their portfolios. With high volatility and uncertainty in the stock markets, increasingly investors have looked at bricks and mortar as a secure long term, […]