Venturing into the buy-to-let market can be a lucrative investment strategy. However, navigating the complexities of buy-to-let mortgages can seem daunting, particularly for first-time landlords. If you’re based in York or anywhere in the UK and considering this avenue, understanding the basics is crucial. Argyll Drummond recognises that each investor’s situation is unique, and as […]
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Taking the First Step: Building Your Family’s Insurance Safety Net Creating a comprehensive insurance plan for your family is the first step towards lasting financial protection. In today’s uncertain world, having a robust insurance plan is no longer a luxury but a necessity. For families in York and across the UK, navigating the complexities of
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Navigating the world of financial protection can feel like traversing a complex maze. Two key products often come up in discussions about safeguarding your finances: Critical Illness Cover and Income Protection. While both offer vital support, they function differently and cater to distinct needs. Understanding the nuances of each is crucial for making informed decisions
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A poor credit history can feel like a major roadblock when you’re trying to secure a mortgage. It’s understandable to feel discouraged, but it’s important to know that getting a mortgage with a less-than-perfect credit score is still possible. It requires careful planning, a realistic approach and working with the right experts. This article will
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A tracker mortgage is a type of home loan where the interest rate you pay isn’t fixed. Instead, it “tracks” an external benchmark interest rate, typically the Bank of England base rate. This means your interest rate will move up and down in line with changes to that benchmark. How Does a Tracker Mortgage Work?
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What to Expect From Your Initial Financial Advisor Appointment Choosing the right mortgage or insurance can be a daunting task. That’s where a good advisor comes in. But with so many options available, how do you know what to expect from a financial advisor, whether you meet face-to-face or virtually? This guide helps you navigate
A number of major high street banks and building societies have started to offer green mortgage products. The idea is that if you’re moving into an energy-efficient home (one that has an EPC rating of A or B) or plan to make your home greener with the addition of solar panels or better insulation, your
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1. Speak to an adviser This may seem obvious, coming from a mortgage adviser. They are experts in their field with detailed knowledge of all the lenders’ criteria. Your own bank may decline you for a mortgage, but there could be plenty of other lenders willing to provide you with one. A good adviser will
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What is remortgaging? Remortgaging is the process of applying for a new mortgage with a different lender while staying in your current home. There are several reasons why someone might want to remortgage. Some people do it when their current mortgage product’s initial benefit period is ending, and they want to secure a new, more
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