Proposed Mortgage Rule Changes: Could This Help Me?
If you’re a first-time buyer (FTB) struggling to get on the property ladder, recent discussions about potential changes to mortgage rules could bring some relief. Regulators and the government are considering adjustments that aim to make homeownership more accessible to prospective buyers, especially those with reliable financial habits but limited access to large deposits or […]
The Property Buying Process: What to Expect from Start to Finish
Buying a home is an exciting milestone, but it can also feel overwhelming, especially if you’re not sure what to expect at each stage. That’s why I created a helpful video breaking down the property-buying process step by step. Whether you’re a first-time buyer or moving up the property ladder, this guide will help you […]
Love That Lasts: Why Write a Will?
Consider expressing your care in a more meaningful way, by writing a Will. It may not be the traditional gift of roses or chocolates, but ensuring your loved ones are cared for in the future is an act that will last. Why Writing a Will Matters A Will is more than just a legal document, […]
Can You Get a Mortgage with Bad Credit?
If you’ve been told that bad credit means you can’t get a mortgage, don’t lose hope just yet. While it may be more challenging, securing a mortgage with a less-than-perfect credit history is absolutely possible. Bad credit can come from missed payments, defaults, CCJs, or even something as small as a late phone bill. Lenders […]
Financial Protection Against Everyday Accidents
Accidents can happen anywhere and to anyone, often when least expected. Recent research highlights just how common accidents are and the financial strain they can cause without proper protection. 🤕 The Reality of Everyday Risks Falls at home are the most frequent type of accident for adults, accounting for 34% of incidents. Women are more […]
What is Loan to Value?
The Loan-to-Value (LTV) ratio is a financial metric used by lenders to assess risk when approving a mortgage or loan. It compares the loan amount to the appraised value or purchase price of a property, expressed as a percentage. Understanding LTV helps borrowers make informed financial decisions, impacting loan approval, costs, and overall mortgage terms. Find out […]
Are you considering expanding your property portfolio?
If you are already in the market or considering expanding your portfolio, 2025 presents a prime opportunity to think beyond the immediate rental yields and focus on long-term goals. For example, a well-planned exit strategy is essential for maximising the value of your buy-to-let investments and ensuring they align with your future financial aspirations. 🍃 […]
What is porting a mortgage?
Porting a mortgage refers to the process of transferring an existing mortgage from one property to another when moving homes. It allows homeowners to retain the same lender, interest rate, and mortgage terms while switching properties, potentially avoiding penalties for breaking their mortgage early. Find out more in my YouTube video below. Got a question? […]
The Mortgage Market 2025: What You Need To Know
You may be wondering how the expected changes in the market for 2025 could affect you. The outlook could be promising, with potential improvements in affordability, opportunities to secure better rates, and tailored support for those who need it. 🍃 Improving Affordability & Lower Rates 2025 is forecast to bring some relief as interest rates […]
Fixed-rate mortgage 2025. What are people doing right now?
I often get these questions from my clients; “What are people doing at the minute?” “Are they going for a two year fixed-rate mortgage 2025 or a five year fixed?” And my answer to this, there is no real answer to this because it’s very, very different for everyone. Watch my YouTube video below where […]