Mortgages

homebuyers guide

The Help To Buy Scheme: A Homebuyers Guide

August 13, 2020

What Is the ‘Help To Buy’ Scheme? ‘Help To Buy’ (HTB) is a government-backed scheme that was created to give first-time buyers a more affordable way to get onto the property ladder. It allows you to put down a 5% deposit, with an additional 20% loan provided by the government. This means that you’ll only […]

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How Would A Stamp Duty ‘Holiday’ Affect Me?

How Would A Stamp Duty Holiday Affect Me?

July 8, 2020

What is Stamp Duty? Let’s start from the beginning “What is Stamp Duty?”. Stamp duty is a ‘tax‘ you pay when you buy a residential property or piece of land that costs more than £125,000. This applies even if you are getting a mortgage or are able to buy it outright! From today, up until […]

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Is Moving Debts To Your Mortgage The Easy Saving It Seems?

Is Moving Debts To Your Mortgage The Easy Saving It Seems?

June 19, 2020

Whatever the reason may be that you need finance, if you have a mortgage particularly one that is low rate, it seems like a no-brainer to simply add on the debt of that new car or kitchen…but should moving debts to your mortgage really be your first port of call? Of course, saving and budgeting […]

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Young people moving their mortgage to a new house?

Can I move my current mortgage to a new house?

June 16, 2020

If you want to move house, what happens to your existing mortgage, can you just move mortgage? Can you use it to buy your new home, or do you need to get a new mortgage? In this article I’m going to be looking at whether or not the decision you make will increase your debt. […]

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How to find the best mortgage deal

How Do I Find The Best Mortgage Deal

May 14, 2020

Getting a mortgage is generally the biggest financial commitment you will ever make, but with thousands of mortgage products available, “How Do I Find The Best Mortgage Deal?” Allow me to explain. Mortgages can be a tricky field to navigate, and with the recent news about the Bank Of England base rate being cut, finding […]

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What Coronavirus Means For Your Mortgage

What Coronavirus Means For Your Mortgage

April 10, 2020

Coronavirus And Your Mortgage Over the last couple of months life as we know it has been completely turned upside down. Besides the health concerns for ourselves and loved ones, the question of financial stability concerns a lot of people. Particularly those with mortgages to pay, so you are probably asking yourself “What does Coronavirus […]

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Do Existing Mortgage Lenders Offer Preferential Rates?

Do Existing Mortgage Lenders Offer Preferential Rates?

April 10, 2020

In this article, I’m going to be asking Do Existing Mortgage Lenders Offer Preferential Rates? What you can do about it if they don’t… The answer is no, not always. It would be a pretty short article if they did, wouldn’t it? Better mortgage deals come on the market all the time, so it could […]

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Will My Bank Give Me The Best Mortgage?

April 10, 2020

In this article I’m going to be looking at whether being an existing customer of a bank means that you’ll get a better mortgage rate than going with a mortgage Broker. We ask will my bank give me the best mortgage? Are there any advantages to going straight to your bank, or not? I mean, […]

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What Is Stamp Duty And Does Everyone Have To Pay It?

What Is Stamp Duty And Does Everyone Have To Pay It?

April 10, 2020

In this article I am going to be looking at stamp duty: what it is exactly, and whether it applies to everyone in all home-buying situations.   It is easy to assume that stamp duty is just yet another fee that has to be paid when you buy a house; but as I shall explain […]

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Different Types Of Mortgage Products

Different Types Of Mortgage Products

April 10, 2020

In this article I’m going to be taking a look at all the different types of mortgage products that are available on the market today, and what makes them different from each other. With so many choices out there, finding the right mortgage product for your personal circumstances can be difficult; but once you know […]

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