Key issues around applying for mortgages and costs of mortgages
It is becoming increasingly common to gift a child or close family member funds towards their deposit on a property purchase. But what happens when there is another party involved, for example, the spouse or partner of your child? In the event of a later split, do you really want to see your child’s ex-partner … Read more
New EU ESIS mortgage illustration document – how to find what you need Confused by the new EU ESIS mortgage illustration document which replaced the old style document for many mortgage lenders earlier this year? Can’t find the key information you need? We are not surprised, the layout is a new ESIS document bears little … Read more
There is more than one way to increase your mortgage lending If you have a need to raise extra mortgage funds against your home, for example for home improvements or to consolidate other debt, there are a number of ways you can achieve this. Each method has its own advantages and disadvantages and it is worthwhile … Read more
We can arrange property valuations for you We provide a nationwide property valuation service (including Scotland) which offers both Homebuyer Reports and Building Surveys in England and Wales or Home Reports in Scotland. All reports are carried out by a local specialist. Our service standards, following instruction, are a response from the team within 4 … Read more
UK Mortgage Lenders In spite of contraction in the mortgage market in recent years, there are still dozens of Mortgage Lenders offering mortgage products in the UK. Between them, these Mortgage Lenders offer thousands of products making the search for the best one for you a particularly difficult process – this is where the services … Read more
Maximum Borrowing Maximum borrowing is a complex issue in the current market. The days when a mortgage lender would simply work on a multiple of before tax income have long gone. The maximum lending calculation is far more complex in the current market as the 2014 mortgage market review made lenders directly responsible for ensuring … Read more
Key issues on home loans and buying a property As a first time buyer, or home mover, there are some key things you need to consider when arranging your home loan. We always recommend that you deal with an independent mortgage broker so you can get professional advice and recommendation of a suitable product for … Read more
Mortgage Quotation or Illustration Your mortgage illustration, sometimes called a Key Facts document, is designed to assist you to understand the terms, conditions, pay rates, and fees of the mortgage for which you intend to apply. All key facts documents that apply to regulated mortgage products are set out in the same way to make … Read more
