Why insurance is an essential part of every financial plan You don’t need protection, do you? 🤔 You’re still young, you’ve never had any drastic health concerns and you don’t even smoke – why would you…
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Breaking down the ratios that affect your mortgage approval Loan to income and loan to value (or LTV) are phrases you often hear in the mortgage industry… 😯 The two terms are easy to mix up,…
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Critical illness cover and income protection are often confused, with many people assuming if they have one, they don’t need the other. However, these policies and the cover they provide do offer different benefits, so let…
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How specialist lending and bespoke mortgage options can help people with non‑standard incomes, credit or property types Specialist lending is a phrase you might hear batted about by mortgage advisers, but what does it mean? And…
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Understanding what’s protected — and what isn’t — in your policy Home insurance is used to describe buildings and contents insurance. Buildings insurance is a requirement with a mortgage and is designed to pay for rebuilding…
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Can you get a mortgage with a bad credit score? The latest industry research has revealed that over 70% of people are worried they won’t be able to get a mortgage due to their credit history.…
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What are Lifetime Mortgages? Lifetime mortgages are a way of releasing equity from a property and are exclusively available to homeowners aged over 55. That basically means they are a way of using the value of…
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Steps to take when your property is valued lower than expected Last year, a survey of 1,000 sales in the UK revealed that nearly half of the properties involved were down valued. But what does this…
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PLEASE NOTE – Applications for Help to Buy were to be submitted by 31st October 2022, and is no longer available to new applicants. The highs and lows of Help to Buy The government has recently…
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Life insurance is well worth considering; these policies can help your family financially should you pass away. However, if you’re one of the millions of adults in the UK with a BMI outside of the standard…
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Last month, the government announced a new Budget and as part of it, they announced a plan to encourage the return of the 5% deposit mortgage. And, good news for all you prospective buyers with less…
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This year, more than ever, Brits are spending more on their homes (as well as Amazon, clothes and takeaways) – a recent survey indicated we are spending £700 more a month on lockdown life. What home…
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