Top Tips on Preparing Your Property for Viewing

With Summer coming many will be considering selling their home with a view to moving onto pastures new. Late Spring and Summer is recognised as a great time to sell, largely because the weather is[...]

May 19, 2022

Common Reasons Why Mortgage Applications Get Rejected

The whole process of applying for a mortgage can be quite stressful and your hopes of getting on the property ladder or purchasing your next home can instantly be ruined by your mortgage application [...]

April 26, 2022

Can I Remortgage my property to buy a Second Home?

Yes. Probably. Equity release is simply a way to realise some of the value in your existing home by increasing and/or extending the existing loan on your existing home and using that loan capital [...]

April 20, 2022

Top Tips For Remortgaging Your Home

Once you have been living in your home for a few years, you may want to consider remortgaging. Switching mortgage providers is actually quite common and there are a number of different reasons why pe[...]

January 25, 2022

What Can Stop You From Getting A Mortgage?

People tend to assume that getting a mortgage as a first-time buyer will be really straightforward and, for the most part, this is true. However, some will find it much more difficult to get mortgage[...]

December 17, 2021

How Covid-19 Has Changed What Property Buyers Want

The last 18 months or more have been a strange experience for many of us. Those that have continued to work have had to adjust, in many cases, to a new way of working. This has meant the home being m[...]

October 25, 2021

What is a Property Chain and How Does it Work?

If you’re new to buying a home, you may hear lots of familiar phrases that you don’t fully understand. One of these phrases commonly used is ‘the property chain’. If you’re unsure what this is and wh[...]

October 7, 2021

The Government’s Mortgage Guarantee Scheme Explained

The Budget of 2021 saw the UK Treasury announcing another state-funded scheme aimed at helping to keep the UK housing market fluid. Known as The Mortgage Guarantee Scheme, the newly announced initiat[...]

September 1, 2021

What Does Virtual Freehold Mean?

It’s a little known fact that pretty much all land and property owned in the UK is actually the property of the Crown. Really! But don’t worry, in practical terms, if you own the freehold interest in[...]

August 2, 2021

Can I Remortgage my property to buy a Second Home?

Yes. Probably. Equity release is simply a way to realise some of the value in your existing home by increasing and/or extending the existing loan on your existing home and using that loan capital [...]

July 1, 2021

The New 2021 Help to Buy Scheme Explained

The UK Government’s new ‘Help to Buy’ equity loan scheme allows first-time buyers to purchase a new-build property with just a 5% deposit. The lender will lend up to 75% Loan to Value (LTV) and the G[...]

June 1, 2021

What You Need to Know About Remortgaging

First of all, what is remortgaging? Well, it’s when someone that already owns a home with a mortgage, decides that they want to take advantage of more favourable terms, such as a lower interest rate [...]

May 1, 2021

Tips on Buying a Property with a Tenant in Occupation

There are a few reasons why you might be buying a property with a tenant still in occupation (a sitting tenant). Usually, it’s because you are buying what is known as a ‘Buy to Let’ investment. In th[...]

April 1, 2021

How does a Gifted Deposit Affect a Mortgage?

If you’re looking to buy a new home, it’s likely that you’ll need to put down a deposit. These days, the minimum deposit is usually equivalent to 5% of the value of the property. A 5% deposit will me[...]

March 1, 2021

What is a Property Chain and How Does it Work?

If you’re new to buying a home, you may hear lots of familiar phrases that you don’t fully understand. One of these phrases commonly used is ‘the property chain’. If you’re unsure what this is and wh[...]

February 1, 2021
Jason and James Mortgage advisers

What is a Second Charge Mortgage?

Most of us know that a mortgage is simply a secured loan, usually secured on a property such as a house or flat. If you fail to keep payments or don’t keep to the terms of the mortgage you [...]

January 5, 2021

How To Make Your Home More Energy Efficient

With energy prices likely to rise in the long term, it makes sense to consider how you can make your home more efficient. Especially as, under the Government Green Homes Grant scheme, hundreds of tho[...]

January 5, 2021

Support for Mortgage Interest (SMI) Explained

SMI or Support for Mortgage Interest is a loan paid by the government to your mortgage lender in order to help qualifying applicants to pay all or part of the interest accruing on their mor[...]

October 30, 2020

Documents Needed When Selling Your Property

It’s easy to assume that once you’ve agreed to sell your home, it’s just a matter of your solicitor or conveyancer ‘doing the legal stuff’ and that’s that. Unfortunately, your job is still only partl[...]

October 15, 2020

How to Speed Up Your Buy to Let Mortgage Application

Buying to let requires a specific mortgage product designed for the purpose. But in large part the process is very similar. Mortgage lenders will tend to concentrate on things like the rental income [...]

September 15, 2020

How To Get a Mortgage on a Zero Hour Contract

Many people believe that it’s impossible to obtain a mortgage if your sole income is derived from employment on a zero hours contract. Whilst this is a more precarious type of employment an[...]

September 11, 2020
keys to new home

Negotiating Tips When Buying a Property

Surveys have shown that the group of buyers least likely to offer less than the asking price or to enter into negotiations when buying their home are first-time buyers. This is hardly surprising give[...]

August 23, 2020
green deal

Government’s New Green Homes Grant

The government’s new Green Homes Grant is part of the Government’s £3 Billion ‘Green Investment’ package which was announced by Rishi Sunak in the 2020 summer statement. The £3 Billion inve[...]

August 23, 2020

Budget 2016 – Key Points For You

Insurance Premium Tax The standard rate of Insurance Premium Tax (IPT) will be increased from 9.5% to 10%. This ensures that the impact of the rate increase is spread broadly across the entire general[...]

March 28, 2016