Is There Anyone Alive Today Who Hasn’t Heard of the Climate Crisis? If there’s one thing that most people can agree on, it’s that society is becoming increasingly aware of the need to protect our environment. There can scarcely be anyone alive today who hasn’t heard of the climate crisis, and who hasn’t considered how …
The Term “Base Rate” Has Been Used in the Media to a Significant Extent in Recent Months Most people in are aware of the term “base rate”, but not all of them are aware of what it actually means. Yet, the term has been used in the media to a significant extent in recent months, …
Many People are Seeking New Ways to Improve Their Chance of Securing a Mortgage Deal The UK is currently going through a cost-of-living crisis, and many people in have found that their finances have been negatively affected. A knock-on impact of this crisis has been a revision of the affordability tests that are used by …
One question that we’re often asked here at when homeowners come into some money is whether it’s a good idea to pay their mortgage off early or whether they could put the funds to some better use. If you have just had an unexpected windfall and are wondering whether you should use it to pay …
Many prospective homeowners in believe that it’s a good idea to give mortgage brokers a wide berth when trying to secure the right mortgage deal for them, primarily due to the costs associated with their use. However, it’s important to remember that a team of skilled mortgage brokers, like ours at , have the knowledge …
In the UK, the most popular fixed rate mortgages are 2 year and 5 year products. There are other options, and deciding which is best for you is not always straightforward – it is actually one of the more common questions asked of mortgage brokers. The interest rates and fees can make comparisons quite complex, …
Many people are drawn to the idea of owning a holiday home to escape to for long weekends or breaks with the family. In between visits, you can turn it into a money-spinner by hiring it out as a holiday let to help pay the mortgage. There are definite advantages of doing this, but you …
If you want to switch to a new mortgage deal or pay off your remaining mortgage after coming into some money, you need to be aware of Early Repayment Charges (ERC) if you are still in a fixed rate period. An early repayment charge may reduce or even negate any financial benefits of remortgaging, so …
When exploring the best way to find a mortgage, you might consider finding a lender yourself or working with a mortgage broker. Online comparison sites give you a way to compare products from different lenders, so mortgage brokers have had to expand their service to do more than simply compile a list of options. Furthermore, …
One of the main reasons behind this variation in fee structures is that different cases come with varying levels of complexity. A more complicated case will take up more of the broker’s time, while a straightforward case will not come with such a heavy workload. You should always be told about a broker’s fee in …