1. You have a poor credit history Lenders want to see that you can be trusted with money. If you have poor credit, potential lenders will worry...
Five reasons your mortgage application could be rejected (and what you can do to fix it!)
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Mortgages
Overpay or reduce the term?
IS IT BETTER TO MAKE MORTGAGE OVERPAYMENTS OR DECREASE THE TERM? There is no denying the pandemic has impacted people and households in many ways....
5 great reasons to choose us for your BTL mortgage…
The size of the buy-to-let mortgage sector has been pretty stable over the last couple of years at around £36 billion. However, IMLA (The...
No deposit? No problem!
Good news - it's today been revealed that a further £13m funding has been secured to Co-Ownership to provide assistance to first-time buyers...
Did you know that mortgage approvals reached a 13-year high last year?
Banks and building societies approved 104,969 mortgages in November, the highest number seen since just before the financial crisis in 2007,...
10% deposit mortgage are back!
10% deposit mortgage are back! We now have 5 lenders providing great deals for First Time Buyers. We also have a NO DEPOSIT option when...
Introducing our HERO MORTGAGE…
Introducing our HERO MORTGAGE, for those of you who provide vital community services! We appreciate the hard work you put in to helping our...
Mortgage Holidays Extended
N CASE YOU MISSED IT! It was confirmed earlier this week that those struggling to pay their mortgage due to coronavirus will be able to extend their...
‘Bad Credit’ Mortgages – what are they?
It’s more difficult to get a mortgage with a poor credit rating as it may indicate that you’re unable to keep on top of your finances. Having bad...
How to improve your chances of getting a mortgage.
Getting a mortgage can be the most stressful part of buying a home, but there are ways of making the process as simple as possible. There are some...
How to Save for a Deposit
A house deposit is a lump sum of money that you pay towards the cost of a property. If you’re not pursuing shared ownership (where no...
New Build Mortgages – things to consider…
Any mortgage taken out on a newly built property (meaning usually within the last 12 months) that has not been owned and occupied by a previous...
Self-employed Mortgages – a quick guide…
Getting professional advice is invaluable for the self-employed when applying for a mortgage. Tapping into a mortgage broker’s specialist knowledge...
Credit file despair? We will repair!
There are a number of reasons why a mortgage application gets declined - one of these is being let down by your credit report. Do you have a poor...
Mortgage lending in Northern Ireland is on the increase!
Mortgage lending in Northern Ireland is on the increase as house prices rise. Lending to first-time buyers and home-movers alike is going up...
Help to Buy: ISA – How does it work?
If you are saving to buy your first home, save money into a Help to Buy: ISA and the Government will boost your savings by 25%. So, for every £200...
How much of a mortgage can I afford?
Traditionally, mortgage lenders applied an income multiple rule to decide on borrowing capability. So if you earned £25,000 per year and the lender...
Avoid the heartache of the interest-only crisis
There have been numerous warnings about interest-only mortgages in recent years. Just weeks ago, the main UK regulator the Financial Conduct...
Changes to support with Mortgage Interest in 2018
Are you receiving income related benefits? Do you have a mortgage on your own home? Does the benefit Agency help with your mortgage payments? If yes...
Do you have a mortgage coming to the end of its term?
Is your mortgage Interest Only? When you reach the end of your agreed mortgage term, the lender will state you need to repay...
NI mortgage borrowing hits a 10-year high after climbing 12% to £480m
Mortgage lending in Northern Ireland reached a 10-year high of £480m during the third quarter of the year, according to the latest figures....