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Will Being In An Overdraft Affect My Mortgage?

Adrian Collins
August 24, 2022
Mortgage Advice

If you’re planning to apply for a mortgage, it’s normal to wonder how your existing credit – including any overdrafts – might impact your mortgage. Will being in an overdraft deter lenders from granting you a mortgage? Does being in your overdraft affect the mortgage application process? The good news is that having an arranged overdraft facility isn’t going to

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How do buy-to-let mortgages work

Adrian Collins
July 20, 2022
Mortgage Advice

If you’re looking to invest in buy-to-let (BTL) property, we’ve got everything you need to know in this guide. Get the lowdown on how buy-to-let mortgages work, how much you can expect to borrow, eligibility criteria, and how to get started. What are buy-to-let mortgages? If you intend to rent out a property after purchase and do not have the

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What Is An Affordability Assessment?

Adrian Collins
May 5, 2022
Mortgage Advice

When you take out any loan or finance, you will typically go through an affordability assessment process. These checks provide lenders with insight into whether you can afford loan repayments,  any outstanding loans you hold and the likelihood of lending causing financial hardship. What is an affordability assessment in the context of mortgages? We cover all the details below.

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When Remortgaging Who Values Your House?

Adrian Collins
April 12, 2022
Mortgage Advice

When remortgaging your house, your mortgage provider will arrange for a valuation of your property. While this is standard practice for any remortgage deal, many homeowners are left wondering if the valuation of their existing property is accurate. In this article, we’re going to focus on how the remortgaging process works, how lenders arrive at their valuations and how to

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What Happens If You Can’t Pay Your Mortgage?

Adrian Collins
March 3, 2022
Mortgage Advice

Nobody takes on a mortgage with the intention of defaulting on it. However, life can be unpredictable and circumstances can change, leaving you with outstanding debt and falling behind on your monthly payments. If you’re currently in a position where you feel like you can’t meet the repayments on your mortgage, try not to worry too much. Take a deep

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Can You Transfer A Mortgage To Another Person?

Adrian Collins
January 14, 2022
Mortgage Advice

The short answer to the question is yes, you can transfer a mortgage to another person and there are several ways of doing this. We will however focus on the most common method known as ‘Transfer of Equity’. It is important to always seek legal advice to ensure you are doing what is right for you. We will however be

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Do Mortgage Advisers Charge Fees?

Adrian Collins
December 2, 2021
Mortgage Fees

No, not all advisers will charge a fee. The majority will receive a fee from the lender. The fee paid is generally a percentage of the amount you borrow – whilst this varies from lender to lender, a typical fee which is paid by a high street bank or building society will be around 0.35% of the mortgage. For example

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Do You Pay Stamp Duty As A First-Time Buyer?

Adrian Collins
October 29, 2021
Mortgage Advice

Buying a home for the first time is an exciting time. From picking out new furniture to choosing your paint colours, you’re likely caught up in that ‘new house’ bubble as soon as your mortgage and property purchase is approved. But before you head down to your nearest DIY store, please ensure you have put aside funds towards stamp duty.

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How Long Does It Take To Get A Mortgage?

Adrian Collins
August 25, 2021
Mortgage Advice

If you’re wondering, ‘how long does it take to get a mortgage?’, you’re not the only one. Whether you’re a first time buyer, you’re remortgaging, or you’re buying for the fifth time, getting your mortgage application right is a must…

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