Your complete guide to getting a mortgage
Understanding the steps involved can significantly ease the path to securing your dream home Navigating the mortgage application process can seem daunting, whether you’re a first-time buyer or returning to the housing market after years away. Understanding the steps involved can significantly ease the path to securing your dream home. Preparation is key, from knowing […]
Upcoming stamp duty changes set to impact buyers
Planning to buy your first home or move up the property ladder? Significant changes to stamp duty will take effect in April 2025, potentially raising bills for first-time buyers and home movers. First-time buyers will be most affected, with their costs potentially rising by thousands of pounds. Some commentators are especially urging first-time buyers […]
2025 property market predictions
A valuable insight into the UK’s home-selling and mortgage markets This year’s key market trends and analysis offer valuable insights into the UK’s home-selling and mortgage markets. Rightmove’s forecast for 2025 highlights a dynamic picture shaped by affordability, competitive pricing, and increased market activity. With an estimated 1.15 million property transactions predicted for 2025, buyers […]
Buy-to-let investment
Planning and future-proofing your investment are crucial steps to ensure a profitable venture Stepping into the world of buy-to-let investment is an exciting yet complex venture that promises potential financial rewards when approached with careful planning. Unlike conventional financial investments, buy-to-let requires active participation and consistent financial input. It is not just about purchasing a […]
Protection from life uncertainties
Safeguarding your home and loved ones with life insurance and critical illness cover Getting a mortgage is one of life’s most significant milestones. It represents a financial commitment and a home for you and your loved ones. While we take great care in securing our homes and possessions, one vital aspect of planning often gets […]
Understanding credit scores in mortgage applications
Each lender has its own criteria and methods for evaluating your application The mortgage landscape can seem daunting, particularly when understanding the role of credit scores. Unlike what some may assume, there isn’t a singular credit score required for securing a mortgage. Instead, lenders assess your creditworthiness by calculating a score based on various factors, […]
How to secure a mortgage when you are self-employed
The process and preparing thoroughly significantly enhance your chances of approval Being self-employed brings a unique set of challenges, especially when it comes to securing a mortgage. However, it’s a common misconception that being your own boss disqualifies you from getting a mortgage. Understanding the process and preparing thoroughly can significantly enhance your chances of […]
Exploring equity release in later life
A flexible financial solution for homeowners aged 55 and above As retirement approaches, some homeowners seek innovative ways to access the wealth in their homes. Recent research by the Equity Release Council reveals a significant rise in interest among UK homeowners over 55 in equity release options. Over three in five (61%), representing about 18.7 […]
Property market renewed confidence
Is now the ideal time to sell your property? As we approach the year’s final months, the UK property market has a fresh sense of optimism. Despite earlier predictions of house price declines, recent data suggests otherwise. The Bank of England’s interest rate cut has reduced borrowing costs, enhancing buyer purchasing power. This environment leaves […]
Exploring value-adding projects
How to improve your property’s functionality, efficiency, and aesthetics As a seller, adding value to your home involves concentrating on enhancements that will resonate with a broad audience. Whether planning major renovations or minor updates, the aim is to ensure that each change improves your property’s functionality, efficiency, and aesthetics. Understanding value-adding factors Before embarking […]
