We discuss mortgage affordability: an assessment made by lenders to determine the risk you represent to them in your ability to make mortgage payments on time. … More Understanding mortgage affordability – factors involved in lender decisions
Learn about the Shared Ownership scheme, in place to help first-time buyers get onto the property ladder. … More Help for first-time buyers: Shared Ownership scheme
Life can serve you curveballs at any moment, causing financial burdens. Learn about how critical illness cover can help! … More Critical Illness Cover – what you need to know
Read more about the Right-to-Buy scheme, introduced as part of the 1980 Housing Act, and an option for first-time buyers. … More Help for first-time buyers: Right-to-Buy scheme
Read some of the differences between a standard residential mortgage and a buy-to-let mortgage, including repayment types and affordability calculations. … More How buy-to-let mortgages differ from residential mortgages
Learn about the Lifetime Individual Savings Account (LISA) – an available scheme to help first-time buyers get on the property ladder. … More Help for first-time buyers: LISA
Learn about the current standard stamp duty rates, plus those for first-time buyers and the additional fee applied to purchases where the home is not the main residence. … More Changes to stamp duty in 2025
Protection policies are great for lessening the financial burden should the unexpected happen. Learn more about the different protection policies available. … More Is a protection policy important when taking out a mortgage?
If you’re currently looking to buy a new property you may have heard the term “mortgage in principle”. Here we’ll answer some FAQs about mortgages in principle. … More What is a mortgage in principle, and do you need one?
With the Bank of England recently cutting the base interest rate, we discuss what impact this has on different mortgage types. … More Does a lower base interest rate mean lower mortgage rates?
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