Property buyers are forced to compete hard in many markets. So, how can you improve your chances of securing your dream home? Here are five tips to beat out other buyers: Have a home loan pre-approval in place. This will make you look more attractive in the eyes of estate agents. Positioning you as a […]
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Let’s discuss the new first-time buyers’ 99% mortgage with £5k deposit by Accord Mortgages. As you might have guessed from the name, a 99% mortgage allows you to take out a mortgage with only a 1% deposit. This could be a fantastic opportunity for those struggling to buy a house. Think renters who already pay
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Hot on the topic of weddings, we dive into another significant life event. Here’s our mortgage guide for first-time buyers… Do you know the difference between a fixed and a variable mortgage? Have you heard of ‘loan to value’? Are you curious about what help is available for first-time buyers? Or are you a supportive
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A mortgage holiday might sound intriguing. But firstly, it’s for those experiencing temporary financial difficulty. We investigate some reasons you may need one. Plus, essential factors you need to consider. What is a repayment holiday? It’s a temporary period while your lender pauses your monthly loan repayments. It’s only an option for a few months. You
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Are you coming to the end of a fixed rate mortgage or have your circumstances changed? For example, a new baby or job? We do a deep dive into one of the more complex concepts of mortgages and why your circumstances might affect them. Have you heard of ‘stress tests’ before? Introduced in 2014, stress
What is a ‘stress test’, and how do they work? Read More »
You could save money by switching your mortgage Homebuyers and those nearing the end of their current mortgage deal received some positive news recently, as numerous lenders have reduced the costs of their new fixed-rate deals. If your current deal has another 12 months to go, your options are somewhat limited, but there are still
Cut your mortgage and credit card bills: how to reduce your debt for 2024 Read More »
If getting on top of your finances is one of your New Year’s resolutions for 2024, don’t overlook your mortgage arrangements. For most of us, our home loan represents one of the most significant financial commitments of our lifetimes, yet too few people review their mortgage regularly. If that’s you, don’t delay any longer – an
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As we bid farewell to the old year and usher in a new one, many of us embark on a journey to prioritise our health and fitness. New Year’s resolutions often involve promises to hit the gym, eat better, and lead a healthier lifestyle. While enthusiasm is high in January, maintaining that momentum throughout the
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Recently the headlines have been dominated by rising mortgage rates, which has made it quite overwhelming for many homebuyers and homeowners managing their monthly mortgage payments, along with the ongoing cost of living crisis. Nevertheless, there’s some positive news on the horizon. Over the past few weeks, several major UK lenders have announced rate reductions, offering
At last, a glimmer of hope for prospective homebuyers? Read More »
In recent years, there has been a growing global awareness of the need to combat climate change and reduce our carbon footprint. As part of this initiative, various sustainable financial products have emerged, one of which is the green mortgage. What is a green mortgage? A green mortgage is a specialist type of mortgage that incentivises
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