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Life after your Fixed Rate mortgage. Should I remortgage when my fixed rate ends?
The short answer? Yes. If you don’t remortgage at the end of your term, you will be automatically transferred to your lender’s standard variable rate, which tends to be higher than the rates on most other mortgage options.* So if you’re coming to the end of your fixed...
The Pros and Cons of Relying on the Bank of Mum and Dad
It's no secret that the bank of mum and dad is a popular source of financial help for young people buying their first home. A recent study by Legal & General showed that a whopping 71% of millennials receive support from their parents when buying property. Let's...
Life after your Fixed Rate mortgage. What happens when your mortgage deal expires?
If the end of your fixed rate mortgage is on the horizon (even if it’s months away), then it’s a good idea to start looking at your options today. If you haven’t got a new deal in place when your fixed rate mortgage ends, your lender will put you onto their standard...
Can your energy efficient home help save money on your mortgage?
Have you ever heard of a green mortgage? They’re steadily becoming a popular option for property owners, as many lenders are adding them to their portfolios. If you’re due to remortgage soon and you have an energy efficient home, it’s well worth considering them as a...
First-time buyers guide to saving for a house deposit
When preparing to buy your first home, saving for a deposit can be a difficult process. As house prices, inflation and the cost of living increases, it can be challenging trying to save a large sum of money. It’s also important to consider all the other costs that are...
What is Shared Ownership and Is It Right for You?
Shared ownership is a government scheme introduced to help people get onto the property ladder. It can be an affordable way for people to buy a home, and potentially a great option for those who cannot afford a property outright. In this blog post, we will look at...
The Value of Mortgage Advice from a Financial Adviser
Harry and Sam have been staying with Harry’s dad in his two-bedroomed terrace for just over a year while they save up a deposit for their first house. The lack of space and privacy has proved challenging to say the least and would now like to start searching for their...
It’s not all fixed rates
With over 10 years of record low interest rates, fixed rate mortgages offer borrowers the stability of knowing what the mortgage payment will be for a set period, which helps with budgeting. Because of the way many lenders decide what rates to offer, we’re currently...
How to improve your chances of passing a mortgage affordability assessment
Getting on the housing ladder can feel like one of the hardest and longest processes in the world and the cost of living crisis is probably not helping. You need to come across as attractive buyers for lenders to consider you, but there are many factors that can...
Don’t Let 2023 Catch You Off Guard – Reevaluate Your Mortgage Rate
If you have a mortgage rate coming up for renewal this year, it is essential to start planning early. Don't let yourself get blindsided by the rate increases. Having a mortgage review is a key part of ensuring you are in control of your finances when your current...
