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A beginner’s guide to life cover

A beginner's guide to life cover: You may be familiar with insuring your car or your belongings, but one of the most important things we can protect is ourselves. Life insurance is a way that you can protect your family – even when you’re not around. If you’ve ever...

What should you look for in a life cover policy?

What should you look for in a life cover policy? Taking out a life cover policy is an important decision for anyone as it can affect what happens to your loved ones when you’re no longer around. It can be hard to make a decision about which policy fits your personal...

Who needs life cover?

Who needs life cover? Choosing whether or not to take out a life cover policy can be a hard decision. It can seem like a big monthly investment, but it can be one of the most effective ways to care for your loved ones after you’re gone. If you’re trying to figure out...

Buying a New Build Vs Old build Property

Buying a New vs Old Property  Buying your dream property is amazingly exciting if a little stressful at the same time. There are a lot of different aspects to consider throughout the purchasing process and things don’t always run to plan.  For first time buyers, it’s...

Applying for a Mortgage: What you Need to Know!

Applying for a Mortgage: You’ve got an agreement in principle, and you’ve found the house that you want to purchase, now it’s time to apply for that mortgage. This can often be the most stressful time, particularly for first-time buyers. What’s the best mortgage...

A Guide to Agreement in Principle 

A Guide to Agreement in Principle: An Agreement in Principle (AIP) is common when applying for any mortgage, whether you’re a seasoned home mover or a first-time buyer. It gives you an idea of how much you will be able to get from a lender and many estate agents ask...

Instructing a Solicitor: How it Works

Instructing a Solicitor: One of the key parts of buying any house or flat is instructing a solicitor to carry out the legal transfer of the property from the seller. Needless to say, it’s important to choose the right partner here and to do your due diligence when...

Beat The Bank: Mortgage 101

The (Everything) You Need To Know Guide Financing Your House Buy One of the key challenges for first-time buyers is how to get the finances together and take that initial step onto the housing market.  The size of deposits required just to qualify for a mortgage today...

New build vs Older Build (First Home)

Should you buy a new build or older property? (First home): New build vs Older Build: Buying your first home is a really exciting time, but it can often be a bit of a challenge too when it comes to deciding on the type of property you purchase.  With the UK property...

Help to buy and shared ownership

Help to buy and shared ownership what schemes are available for first-time buyers? If you’re a first time buyer and looking to get your foot on the property ladder without the help to buy or the shared ownership scheme, you may well be feeling a little overwhelmed by...

Common repair problems for first-time buyers

Common repair problems for first-time buyers (and how to fix them yourself): So you’ve finally got the keys to your first property and are excitedly picking out paint colours and looking online for furniture to fill your new abode, but what happens if your honeymoon...

Mortgage offers, how it all works

Mortgage Offer How does a lender decide whether to give you a mortgage offer? A mortgage offer is your first goal when applying for your mortgage, knowing how a lender makes the decision on whether to give your application the green light (or not, as the case may...

How to Improve your Credit Score

4 ways to improve your credit score before you apply for a mortgage If you can’t wait to get on the property ladder and are keen to get the ball rolling with a mortgage application, your credit score will be key to bringing your dreams into reality. Doing a little...

First Time Buyer Check List

First time buyer? Here are some of the top tips that could make things much easier   As a first time buyer and you look at certain life events, one of the most stressful to go through is to buy a house. This is even true for those who have done it before and know what...

How to Prepare For Getting Your First Mortgage

Mortgage help desk Though there is a lot of work that goes into getting a mortgage, there are things you can do to prepare.    Things To Do Before Applying For Your First Mortgage   Check Your Credit Score - Before approving you for a mortgage, lenders will...

First time buyer must do’s

5 Things A First Time Buyer Should Know First time buyer must do's: There is no denying the excitement that comes with buying a property as a first time buyer, but there is a lot to think about. The entire process can be daunting and overwhelming if you are unsure of...

How to crack the london housing market

4 Tips For Navigating The London Housing Market How to crack the london housing market: When the time comes to buy a property in London, you will need to navigate the London housing market. Luckily, we have four tips to help you out. How to Successfully Navigate the...

The interest rate hack, how to beat the banks and save money

The guide to a lower interest rate Buying a home is no simple task. It requires a lot of organization, careful thought, and money. However, it becomes much easier when you carefully review the financing options and choose the right mortgage lender and the best...

The Buy to let hack

Why buy to let? The Buy to let hack: People with a bit of money saved up are always looking to invest in a profitable venture that can help them grow their wealth, like buy to let. The UK property market has shown positive growth in recent years and offers a great way...

First time buyer information: Things you need to know

First time buyer information Buying your first home as a first time buyer can be a daunting experience. There is just so much to do, from browsing properties and touring prospective areas to working with your broker. But all the effort is worth it once you get the...

What does a conveyancer do?

Conveyancer What does a conveyancer do: If you’re buying or selling a property, you will need to retain the services of a qualified conveyancer to ensure that all legal elements relating to the purchase or sale are taken care of. An essential part of any property or...

Property bargain

Property bargain: Places where property prices are below the national average Looking for a property bargain? well if you’re hoping to get on the property ladder, but have found that the average house price in your area are just too high, it may be worth considering...

Stamp Duty explained

Stamp Duty explained: Buying a property? First time buyers need to understand that if you’re getting ready to purchase your first home, you’ll need to get the lowdown on stamp duty property fees. Stamp duty is a tax paid when you purchase property or land. Rather than...

The Winning Strategy for Mortgaging Your First Home

Click here tolook at some strategies that can help you apply for a mortgage successfully.

Common Problems with Property Mortgage

Common Problems with Property Mortgage: If you compare the pros and cons of renting a property or buying one on a mortgage, the latter seems like the better option. While renting may cost lower, buying a property on mortgage helps you build an asset that will benefit...

How to Finance a Property with Small Savings

How to Finance a Property with Small Savings: Property investment can be a great way to generate a regular income or cut down on expenses. Most homebuyers invest in properties for their personal use, but there are an increasing number of investors who buy properties...

Important Mortgage Calculations

Important Mortgage Calculations It is a good idea to understand some of the important mortgage terms and calculations instead of just accepting them blindly. A good understanding of mortgage calculations will help you make the best financial decision that suits your...

A Beginner’s Guide to Mortgages

A Beginner’s Guide to Mortgages: Buying your first home is an exciting experience, but it can be a challenge if you aren’t aware of the mortgage process; people often feel overwhelmed with the amount of paperwork that’s involved. Knowing what to expect will help you...

Mortgages and Divorce: What You Should Know

Mortgages and Divorce: What You Should Know: Yes, the divorce rate for heterosexual couples in England and Wales is the lowest it’s been since 1971. However, if you’re going through one, you’ll know that while it can be traumatic for some and liberating for some, we...

Life Insurance 101: Pro Tips for First-Time Buyers

Life Insurance: Death is an uncomfortable subject to wrap one’s head around. However, providing financial protection for your family after you’re gone is one of the most important things to do.It’s crucial that you choose a proper life insurance policy that does...

Qualifying for a mortgage when you’re self employed

Banks consider a wide range of factors before approving mortgage applications. The fundamental consideration is your credit history—through which they check whether you’ve taken loans before, if you’ve filed for bankruptcy and if you’ve defaulted on credit before....

How to finance your first home

Buying your new house is possibly one of the most monumental financial decisions you will take throughout your life. Even though we have the Corona virus that’s significantly impacting property prices, some reports suggest that February saw a 2.8% price hike for...

Why you should consider working with a mortgage broker

You’ve narrowed down your dream home search and you’re now looking for the best mortgage deals to put those keys in your hand. To do so, you have two basic options: either deal with lenders or bank loan officers directly, or hire a mortgage broker

IS IT BETTER TO RENT OR BUY? HOW TO DECIDE IN 3 STEPS

While home ownership rate in the UK has increased to 65.10% in the recent years, there are nearly 4.7 million households that live in privately rented accommodations. So, there is no one answer for the question “Is it more economically rational to rent a home or buy...

How to remortgage: A step-by-step guide

Wondering if you could ask your lender for a new deal on your loan? Remortgaging is a great way to release equity or secure a better rate on your mortgage for the remainder of your mortgage period. On average, nearly 39,000 homeowners remortgage every month in the UK....

Buy-to-let mortgages: what you need to know

Demand for rental properties is on the rise, so buying a rental investment property may be a great way to bring in extra income every month. In fact, the latest private rental sector report published by the ARLA reveals that approximately 6 in 10 letting agents saw an...

How remortgaging can save you money

As a home buyer you may be under the impression that after you’ve moved into your house or flat, and locked in the mortgage rates, you’re set for the entire mortgage term. This may not always be the best idea. Some homeowners pay over the odds for their mortgages, and...

Is remortgaging to debt consolidate a good idea?

Is remortgaging to debt consolidate a good idea?: Remortgaging refers to replacing your existing mortgage with a new mortgage deal—either with the same or different lender—while staying within the same property. While most people remortgage to secure a cheaper...

Getting an agreement in principle for a Mortgage

Getting an agreement in principle for a Mortgage: If you’re serious about the home-buying process, getting preapproved for a mortgage is a key step! In the mortgage pre-approval process the mortgage lender goes over your credit history, and verifies your personal,...

3 Simple ways to pay off your mortgage early

3 Simple ways to pay off your mortgage early: Paying off mortgage ahead of schedule may seem like a daunting endeavour. After all, we’re talking about paying off hundreds of thousands of pounds. However, it’s actually a pretty feasible goal that can save you money in...

When is the best time to remortgage?

When is the best time to remortgage?: Your mortgage payment is probably your largest monthly expense, so it only makes sense to shop around for better offers by remortgaging. Remortgaging gives homeowners the opportunity to move to a new mortgage deal on the property...

4 Tips for first time buyers

4 Tips for First-Time Home Buyers If you’re planning on buying your first home and are a little overwhelmed with the whole process, you’re not alone. Studies show that first-time buyers make for majority of home purchases that are bought with a mortgage in the UK. In...

5 Hidden Costs First-Time Buyers Overlook

5 Hidden Costs First-Time Buyers Overlook: Buying a home is probably one of the biggest financial transactions you’ll ever make, and that expense goes far beyond the closing price. Apart from the cost of the home, there are several upfront and ongoing expenses that...