How much does a Mortgage Broker cost?

A mortgage broker is a qualified advisor who can help you find a mortgage to suit your personal finances, needs, objectives and personal situation. You are essentially paying for the brokers to do the leg work. All brokers work differently. Some brokers search the whole of market (these don’t include deals you can obtain by […]

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Offset Mortgages – What is it, How Does it Work and Why is it Beneficial?

What is an offset mortgage? An offset mortgage is a type of product that lets you link your mortgage to your savings. The balance of your savings is used to reduce the amount of interest charged on your mortgage. Your savings will be “offset” against the value of your mortgage and you’ll only pay interest […]

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Will Changing Employment effect my Mortgage Application?

When applying for a mortgage, you have to prove to a lender that you will be able to pay the money back monthly. Most mortgage lenders you approach are going to want to see three months’ worth of bank statements and three months’ worth of pay slips, meaning you would need to be employed for […]

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Renting vs Owning – The pros and cons

In this article, we will be looking at the pros and cons of renting somewhere and the pros and cons of owning your own home. Renting is the idea of paying someone e.g. a landlord, for the use of their assets e.g. property. Pros of Renting: There is no cost to repair any minor damages/general […]

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The Benefits of Using a Broker

Help take some of the stress away from your mortgage application! Post credit-crunch, it has become harder for self-employed workers, freelancers and contractors to get a mortgage. The past few years have seen it get increasingly difficult for first-time buyers and existing home-owners to get a mortgage, but one group of buyers that have suffered […]

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Feeling Stressed?

The 1st November is considered to be “Stress Awareness Day”. Mental health is incredibly important and should be discussed, not swept under the carpet.  Feeling stressed and worried can take a massive toll on not only your mental health but your physical health too. There are many reasons as to why you might be feeling […]

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7 Mistakes that Prevent a Company Director getting a Mortgage for their Dream Home?

In this post we will be addressing 7 different reasons as to why Company Directors are getting declined for mortgages on their dream homes. Liabilities outweigh the assets on the balance sheet Assets and liabilities are two completely different things. Assets are things or sums of money that you own or are owed from other […]

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