‘Bad Credit’ Mortgages – what are they?

‘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 credit doesn’t always mean you won’t get a mortgage, but it can affect the options available to you. That’s...
How to improve your chances of getting a mortgage.

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 things you can do to give yourself the best chance of being accepted for a mortgage, which we discuss below: 1.Get on the...
The 12 Frugal Tips of Christmas

The 12 Frugal Tips of Christmas

Each year we put ourselves under enormous pressure to buy more and more expensive presents and make Christmas unrealistically magical. And each year the list of presents and experiences grows and grows. Take a quick read below before you put yourself through the next...
If you want a Help to Buy ISA…

If you want a Help to Buy ISA…

be quick as the final deadline is 30th November! If you’re saving for a deposit for a house, you have less than three weeks to open a Help to Buy ISA. There are thousands of pounds of free cash available for first-time buyers towards a new home, yet the easiest,...
Switching your mortgage doesn’t have to be scary…

Switching your mortgage doesn’t have to be scary…

When you sign a mortgage agreement and move into your new home, you aren’t locked into the same rate for the entire repayment period. Mortgages usually have a period of 2–5 years where you benefit from a lower interest rate, but once this expires, most providers will...
How to Save for a Deposit

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 deposit is required, see below for more info) you’ll need a deposit to get a mortgage. Always think of your deposit as...
New Build Mortgages – things to consider…

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 owner, will be known as a new-build mortgage. It may in some cases refer to a mortgage that is taken out before construction...
Self-employed Mortgages – a quick guide…

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 will enable you to get much more information than internet research alone on the full range of lenders and mortgage...
NI House Prices on the Increase!

NI House Prices on the Increase!

House prices in Northern Ireland grew at six times the UK average in July, according to official figures. The average price rose by 3.5 per cent to £137,000, according to the report released jointly by the Office for National Statistics (ONS), Land Registry and other...