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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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
Updated as of November 2023 At the beginning of November, the Bank of England decided to maintain the base rate at 5.25%, sparking optimism that we may be approaching the conclusion of interest rate hikes. This development prompts the question: Is now the right time to fix my mortgage and perhaps more importantly, how long
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Securing a mortgage as a self-employed person might seem complex, but understanding how your income is calculated can clarify it. Mortgage lenders in the UK have criteria for working out the income figures used to determine your borrowing capacity. In this guide, we’ll break down the key factors that lenders consider. 1. Documentation is Key
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If you’re facing difficulty making your mortgage payments, it is important to contact your lender promptly. The sooner you inform them of your situation, the sooner they can advise you of your options. Before contacting your mortgage lender, have as much information to hand as possible about your income and outgoings. You should be prepared
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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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