A Short Guide to Valuations and Surveys

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Surveys are an important part of the property purchase process. Surveys can both save and help you to raise the money necessary to buy your new home, however there are several different types. Unless you’ve done this before it can be confusing, leaving you wondering whether you’ve wasted time commissioning the wrong type of survey. […]

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6 costs you can forget about when moving home

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Finally! A money saving blog post that will really make a difference. These must-have tips can save you a lot of time and money when you’re on the move. Moving home can really hurt your wallet. Not only are you paying humongous amounts for a deposit but additional fees such as stamp duty, valuations and other […]

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VIDEO – Multiple Income Sources

Or if you’ve just come from Facebook, you can watch part 2 here: Your home may be repossessed if you do not keep up repayments on your mortgage.

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When is the best time to apply for a Mortgage?

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When you are self-employed, arranging a mortgage can be difficult at the best of times. Without the proper advice you can be left drifting, unable to find the right mortgage deal for you. You need to be armed with all the possible tools in order to fight for your mortgage and that includes knowing when […]

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Commercial Mortgages vs Residential Mortgages

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Commercial mortgages are just another facet of the humongous mortgage market. When you’re self-employed and your business world melts into your home life, how do you know that you’re still getting the best of both worlds when it comes to a mortgage? For many self-employed people it can be difficult to navigate the mortgage minefield […]

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5 things to improve your credit rating for a Mortgage

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Getting and maintaining a good credit score is not a simple task. Even if you’ve never had debt in your life, that doesn’t guarantee you a perfect credit score. When it comes to getting a mortgage, you’ll need to make sure your credit score is the best it can be or you could be declined […]

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How will a poor credit rating affect my mortgage application?

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Raising a mortgage can be nigh-on impossible for people with poor credit scores whether you are employed or self-employed. Many lenders’ criteria are set to either completely exclude you from their process or offer extremely unattractive rates. Do not, however, be disheartened as there may still be hope, depending on your circumstances. A good credit […]

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What do lenders look for with my earnings?

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Whether you are employed or self-employed, mortgage lenders are going to go through your bank statements with a fine tooth-comb. Here are some of the main things they will be looking out for in your earnings, and some tips on how to get ready in advance. Your income, expenses, money managing skills and future predictability […]

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How much can I borrow?

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When you start house-hunting, one of the first questions you will need to ask is, “how much can I borrow?”. Unfortunately there’s no simple answer. Every mortgage lender uses a different set of criteria to assess your application which means the amount you can borrow can differ. This isn’t helpful, especially when you need to […]

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7 things Self-Employed people can do to get a mortgage

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Getting a mortgage when you’re self-employed can be tough if you aren’t armed with the tools you need to fight the lenders. Traditional banks often don’t seem interested in many of the things that make you a viable borrower. We understand your pain and have compiled 7 tips to help self-employed people like you secure […]

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