mortgage advice

The Value of Mortgage Advice

With so many mortgage lenders offering their products on the high street and online, it can be tempting to cut out the middleman and ‘go direct’. But when you’re making such a huge financial commitment, the guidance you can get from a qualified mortgage adviser can be invaluable. Here are five ways we can make a difference to your mortgage search: We know what a good deal looks like It’s…

buy to let

What Makes a Good Buy to Let Investment?

With property prices continuing to rise, Buy to Let can be an attractive way to invest. But whether buying your first Buy to Let property, or adding to your portfolio, it’s important to consider what’s involved. Being a landlord As well as the obvious duties of finding tenants and making sure they pay their rent on time, there are also a number of legal requirements that you need to meet…

first time buyers

Buying for the first time?

For first time buyers, getting onto the property ladder may seem a daunting process, but there’s more help available than you might think. With supply and demand at an imbalance, the average UK house price has been pushed beyond the reach of many first-time buyers. August data from Land Registry shows an annual price increase of 8.4%, taking the value of the average UK property to £218,964. When you consider…

moving home

Moving Home

Moving home can be stressful, especially if you’re new to the property ladder. But, by following a few simple tips, you can help ensure your move goes as smoothly as possible. Seek mortgage advice Try and get a mortgage offer in place before you start the buying process. It can be tempting to cut out the middleman and ‘go direct’ when choosing a deal, but the guidance you can get…

bank of mum and dad

Bank of Mum and Dad

With rising house prices outpacing income an increasing number of young people will borrow from parents and family in order to get onto the property ladder. The 10th largest mortgage lender The combined amount which parents and grandparents will be prepared to gift or loan their children to help them buy their first home is estimated to be £5bn. This puts them alongside the 10th largest mortgage lender in the…

the risks of being underinsured

The Risks of being Underinsured

Most of us wouldn’t think twice about protecting our home, car, TV or smart phone – we even insure our holidays and pets. But there’s one aspect of protection that too few of us consider – what happens to our homes and our livelihoods in the event we have an accident, serious illness or die? What’s your greatest financial asset? What would you say if you were asked what’s your…

help to buy isa

Help to Buy ISA – things you might not know

If you’re saving for your first home you may have heard about the Government’s latest initiative, the Help to Buy ISA. This is effectively a cash ISA where you can save up to £200 a month, but the government will boost your savings by 25% up to a maximum of £3,000 (provided you’ve saved at least £1,600). What’s more, you can open a Help to Buy ISA with a deposit…

When You Need Financial Advice

Human beings, in general, are notoriously bad at calculating risk and weighing up reward, it’s almost hard wired into us. Our survival, millennia ago, was based around our inability to think too much about the future and focus on ‘eating today’. This, while useful hunting wild animals, is less helpful when planning our financial futures and we may take key decisions in our lives without much thought to our finances.…