Uncategorized

We provide expert mortgage and protection advice to healthcare professionals.

We provide expert mortgage and protection advice to healthcare professionals.

What is Cryptocurrency and can you use it towards a mortgage?

1. Deposit The first step is to understand how much deposit you are able to put down. The majority of lenders require a minimum 5% deposit however the actual amount you put down is your own choice. The bigger the deposit, the lower the loan to value ratio will be, meaning you can obtain a…

1. Deposit The first step is to understand how much deposit you are able to put down. The majority of lenders require a minimum 5% deposit however the actual amount you put down is your own choice. The bigger the deposit, the lower the loan to value ratio will be, meaning you can obtain a…

In the main, mortgage products will fall into one of two categories, fixed or variable rate deals. Historically, the difference in flexibility between the two types was significant but in recent years, the difference has reduced substantially. To generalise, fixed rates tend to be more secure but less flexible. Whereas, variable rates tend to be…

A solicitor conducts conveyancing, which is the legal transfer of a property between two parties – a seller and a buyer. The costs of buying or remortgaging a home can add up quickly. Having the right solicitor on your side is worth their weight in gold and could save you a lot of money. Your…

If you are planning to purchase or sell a property, there have been two significant announcements to be aware of: The Stamp Duty holiday extension The biggest announcement from the Chancellor is the extension of the Stamp Duty holiday. The Stamp Duty holiday was due to expire on the 31st March 2021 however, it has…

An update on stamp duty The Chancellor, Rishi Sunak, has announced there will be no stamp duty tax on all property purchases, up to £500,000. This positive news is expected to boost the economy and housing market following the Covid-19 crisis and lockdown restrictions. What is stamp duty? Before the announcement, if you purchased a…

The economic effects of the Coronavirus “We have never in peacetime faced an economic fight like this one” – Rishi Sunak, Chancellor of the exchequer. The Coronavirus has already caused quite a lot of economic turmoil, with one of the steepest stock market declines since the 2008 financial crisis. Economic uncertainty tends to lead to…

Having protection in place can give you peace of mind that you and your family are protected in the worst case scenario. Even with no dependents, protection will provide a safety net…

An Agreement in Principle (AIP), also known as a Decision in Principle or Mortgage in Principle, is an official statement from a mortgage lender. It states that, according to the basic information provided, the lender would lend a certain amount to the potential borrower.

Are you better off with a Help to Buy ISA or a Lifetime ISA? The end of the Help to Buy ISA The Government’s Help to Buy ISA was a part of their Help to Buy scheme to aid first-time buyers with getting onto the property ladder. The Help to Buy ISA closed permanently to…

Whether you’re a first-time buyer, homeowner or landlord the below tips will help you understand how to make the most out of your personal situation, so you can get the best mortgage deal available to you.