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No deposit mortgage

100% mortgage for first time buyers The No Deposit Mortgage for first time buyers was launched in May 2023. This is a no deposit 100% mortgage designed exclusively for those who have been renting and wish to take the first step on the property ladder. If you are a first-time buyer and have been renting … Read more

HSBC Mortgage Criteria

In this blog, we thoroughly explain the HSBC Mortgage Criteria to help you understand your eligibility before you apply. If you have any questions, or are unsure whether you fit the HSBC criteria, please contact us and one of our friendly mortgage advisors will be able to help. History of HSBC HSBC first opened its … Read more

Porting a mortgage

What is porting a mortgage? Porting a mortgage is one of the areas where we find borrowers get most confused. Porting is a feature offered by most mainstream lenders on residential products, and by many lenders on buy to let products. When you are porting a mortgage, you are not actually ‘porting the mortgage’, you … Read more

Mortgage Valuation Options

Mortgages and options for valuing your property When you purchase a property using a mortgage, the lender will want to ensure that the property is suitable security for the loan. Equally as the purchaser, you will want to ensure that the property is worth what you intend to pay for it and that there are … Read more

How to download your Checkmyfile credit report

CheckMyFile – 4 credit reports in one CheckMyFile offer a credit report covering your data from up to 4 credit reference agencies including – Equifax, Experian and TransUnion. This is available now on line FREE for 30 days, then £14.99 a month, you can cancel anytime. What is Checkmyfile? Check my file provides data on … Read more

Stamp Duty Land Tax Calculator

Find out how much Stamp Duty Land Tax you are required to pay when purchasing property by using our online calculator today. Stamp Duty Land Tax Rates Property Value Stamp Duy Tax Rate Rate payable on first £250,000 of value Zero Rate payable on the next £675,000 (£250,001 to £925,000) 5% Rate payable on the … Read more

How to download your Bank Statements Online

Why do Mortgage Lenders ask to see Bank Statements? Primarily to: Ensure no payments have been returnedEnsure any overdraft limit is not exceedSee income being banked as per wage slipsSee existing rent or mortgage payments going outSpot regular payments that have not been listed on the application The importance of your bank statements in a … Read more