News

The climate crisis is a real concern amongst most people in today’s world. More and more people are taking measures in their everyday lives in order to combat the effects of climate change – but can your living situation benefit both the planet and your pocket?

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Loan to income and loan to value (or LTV) are phrases you often hear in the mortgage industry. The two terms are easy to mix up, understandably, but they are very different. It’s important to know the difference because both loan to income and loan to value are key factors used to determine how much you can borrow for a mortgage.

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Last month, the government announced a new Budget and as part of it, they announced a plan to encourage the return of the 5% deposit mortgage. And, good news for all you prospective buyers with less than the largest nest eggs, the plan is set to start this month!

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The latest industry research has revealed that over 70% of people are worried they won’t be able to get a mortgage due to their credit history. Although roughly one in five people have been turned down for a mortgage for this reason, that is a far cry from nearly three quarters. So here is our guide to mortgages and credit scores.

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Over 30% of people aren’t sure what the term ‘remortgaging’ means but it is a great way to save money on your monthly mortgage payments! If you’re one of the many people in the dark about remortgaging then don’t worry, you’re not alone and we’re here to help. Here’s our complete guide to remortgaging.

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The fireworks have dazzled, the champagne has fizzed and the new year is here. But after such an unpredictable 2020, can anyone claim to know what 2021 will bring? Rather than take a guess (albeit a pretty educated one, if we do say so ourselves) we are going to explore what the housing market looks like now.

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Back in July, Chancellor Rishi Sunak announced a stamp duty holiday. Cue the cheers of prospective buyers who could save thousands of pounds as a result. However, fast forward to now and the housing market is facing significant delays due to the huge surge in buyers looking to take advantage of the holiday. This could mean many may miss out on getting their purchase through before the deadline in March 2021. So, how can you give yourself the best chance of moving before the stamp duty holiday ends?

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Recent research has revealed that coronavirus has dramatically changed the way people, particularly younger people, view life and health insurance. The pandemic has altered nearly every aspect of life as we know it, so it’s no surprise that is has had an impact on how people view protection.

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Autumn has arrived and with it the sense of something hovering over the horizon – no, not Christmas, something more exciting… peak remortgage season. The next few months often see increased demand for remortgages and this year may be even busier due to the pandemic. Now is the time to start doing your research.

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The government recently announced the deadline for building work under the current Help to Buy scheme will be extended from December 2020 to February 2021. The extension allows an additional two months to complete properties and is intended to mitigate the impact of coronavirus. It is welcome news for thousands of buyers whose purchases looked sure to fall through.

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