News

Browsing 1 - 10 of 46 news items.
Navigating the mortgage market in 2024

Navigating the mortgage market in 2024

 01 February 2024
As the mortgage market continues to evolve, staying informed is key to securing the best deal when purchasing a home. Several factors influence the mortgage landscape, and being aware of these can enable you to make informed decisions.

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High inflation: how does it affect me?

High inflation: how does it affect me?

 01 November 2023
As inflation remains high, it’s the perfect time to take a closer look at how it could impact you. Whether you are behind on payments, looking to stretch your finances or coming to the end of your mortgage term, there are options available to help you.

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Fixed rate mortgage term ending: what should I do next?

Fixed rate mortgage term ending: what should I do next?

 02 October 2023
As your fixed rate mortgage term approaches its end, it’s essential to carefully consider your next steps. This critical moment presents an excellent opportunity to reassess your financial situation and evaluate your circumstances.

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What does the mortgage charter mean for you?

What does the mortgage charter mean for you?

 01 September 2023
The Mortgage Charter is a new set of rules that helps people when they’re trying to get a mortgage to buy a house, it’s like a guide that mortgage lenders have to follow. So what’s the purpose of the Mortgage Charter and how does it impact you?

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Could falling fixed rates help prospective  buyers?

Could falling fixed rates help prospective buyers?

 01 August 2023
In July, both two and five-year fixed-rate deals dropped by 0.02% for the first time since May. Although the forecast for further changes is uncertain, the initial drop in rates is promising and could lead to a more favourable environment for prospective buyers if rates continue to fall in 2023.

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How can I go green for less?

How can I go green for less?

 03 July 2023
Everyone is doing their bit to tackle climate change, but these changes can come at a cost. So how can you make an impact without breaking the bank?

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100% Mortgages: How can they help me?

100% Mortgages: How can they help me?

 02 June 2023
A 100% mortgage, also known as a zero-deposit mortgage, is a loan that allows first-time buyers to borrow the full purchase price of a property without having a deposit. What does this mean?

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House prices fall: Is it the right time to buy?

House prices fall: Is it the right time to buy?

 01 May 2023
Knowing when to buy a house can be challenging, especially during a cost-of-living crisis. Although household budgets remain under pressure from high inflation, confidence is returning to the property market as house prices fell 3.1% on an annual basis in March.

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Green Mortgages: what you need to know

Green Mortgages: what you need to know

 07 December 2022
With the COP27 summit last month, the climate conversation is at the forefront of people’s minds once again. Reducing the impact, we have on our planet has become a key priority for homeowners up and down the country as we head towards the point of no return. Lenders are aware of this and want to help you achieve that – while also working towards their own green targets. Green mortgages are one of the key methods you can use to help your day-today become greener. We take a look at what green mortgages are and how they can help you to go greener.

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How much can I borrow?

How much can I borrow?

 21 September 2022
This is by far the most common question that is posed to us at the beginning of any mortgage meeting. Many years ago, you may recall banks and building societies using a simple calculation when assessing your borrowing capacity. It was typically 3 times the main earners annual gross income and once the second applicant where applicable.

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