by Brian Downton | J, Apr, 2023 | blog, mortgages
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...
by Brian Downton | J, Apr, 2023 | blog, mortgages
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...
by Brian Downton | J, Nov, 2022 | blog, mortgages
Sarah has never overstretched herself when it comes to money. After paying her monthly bills, she’s always had a bit left over. So, when her mortgage lender wrote to her to remind her that her five-year fixed-rate deal was coming to an end and that she needed to find...
by Brian Downton | J, Nov, 2022 | blog, mortgages
The Bank of England has raised interest rates and warned further hikes are likely in the coming months. This will mean bigger bills for some homeowners. On 3 November 2022, the Bank of England raised interest rates from 2.25% to 3% – the eighth hike since...
by Brian Downton | J, Nov, 2022 | blog, mortgages
Your current home may well be the place where some of your happiest memories were created. Realistically, however, downsizing may be an excellent way of financing many more. Here are some points you should consider on the topic. Why should I downsize my home? Home may...
by Brian Downton | J, Nov, 2022 | blog, mortgages
The covid pandemic put things into perspective for Deborah. Before hand-sanitizer and facemasks became the norm, she and her boyfriend were living in a pokey flat while they saved up to buy a place of their own. As the pandemic took hold, they were both furloughed and...
by Brian Downton | J, Oct, 2022 | blog, mortgages
Pete has just inherited £35,000 from his grandma and he’s thinking about investing in a buy-to-let property but has no idea where to start. So, what are the key things Pete needs to know? Is the buy-to-let market a good investment? Some of Pete’s friends have warned...
by Brian Downton | J, Oct, 2022 | blog, mortgages
With so many mortgage lenders offering their products on the high street and online, it can be tempting to cut out the middleman and ‘go direct’. When you’re making such a huge financial commitment, the guidance you can get from a qualified mortgage adviser can be...
