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Do I need to review my life cover?

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Did you know that you could reduce your premiums or increase your cover if your circumstances have changed:
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What is downsizing and why might I want to do it?

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So why might you think about downsizing? There are lots of different reasons you may consider downsizing but some of the most popular reasons we come across are:
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How do I become a landlord?

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Becoming a first time landlord may sound an attractive proposition, but as with any business venture, it’s important to do your research. Here are our top 5 tips:
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Can I raise money for DIY and home improvements?

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The Christmas decorations are down and thoughts often turn to DIY and home improvements, but these improvements will need paying for. Did you know that you can use the equity in your property to release money for this purpose?

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An increase in bad credit mortgages available!

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There was a time when, if you had a less then perfect credit rating, you’d struggle to get a mortgage. Financial institutions are realising that more and more of us have credit commitments, whether this be car loans, credit card debt, store cards or even CCJ’s and bankruptcy, and are adapting their lending criteria and products to suit.

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Are burst pipes covered by house insurance?

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Depending on how comprehensive your policy is, will depend on whether you are covered.
The most common cause of burst pipes is frozen water in the pipes expanding and causing them to burst. There are several measures you can take to prevent this happening.

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What costs are involved in getting a mortgage?

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When you make the decision to take out a mortgage, it is important to take into consideration the costs involved. Below is a glossary of the fees you might come across:

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What is the right mortgage for me?

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You may think it’s a jungle out there and yes there are thousands upon thousands of products available, but with a little bit of guidance, you’ll get a better idea of a fit for you and your circumstances.

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Would your bank statement pass the test?

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It may be true that you can easily afford the mortgage repayments on a mortgage and you have a good steady income, but did you know that certain entries on your statement could potentially stop you getting a mortgage?

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Offer, Exchange, Completion – what do they mean?

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In any industry you’ll find jargon, but when you’re making probably the biggest financial commitment you’re likely to make, you need to be sure you understand what the estate agents, mortgage broker/lender or solicitor/conveyancer are talking about.  So, here’s a quick run-down of a few terms you might hear during the house buying process:

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Would you like help getting your deposit together for your first home?

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Getting on that first rung of the home owning ladder can be difficult, especially now that the average house price in the UK is £226,906* and the minimum deposit amount would be £11,345.30 on a home of this value.

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Worrying about the cost of Christmas?

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According to the Centre of Retail Research, Christmas costs on average £821.25 per family (Nov 17).
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What is debt consolidation?

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Debt consolidation is refinancing debts under one loan payment. Most commonly used to bring all debt together at a lower more manageable monthly repayment.

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Did you know House in Multiple Occupation (HMO) rules have changed?

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A house in multiple occupation (HMO), sometimes called a “house share” is a property rented out to at least three people (who are not from one household eg a family) but share facilities such as a bathroom or kitchen.
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Be a winner at homebuying!

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The property market can be a dog eat dog world, but you can help yourself by becoming a very attractive buyer and we’re not talking in the looks department!
Read our top tips 6 for being a successful homebuying

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How can I improve my credit rating?

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So, you’ve missed a few credit card/loan payments or been declared bankrupt in the past and now you’d like to get a mortgage, is there anything you can do to help your application?
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Can I get a mortgage for a self-build project?

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A self-build mortgage is different to a conventional mortgage. It’s a specialist loan where the funds are given to you in stages as work is completed on your property.
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What is an Agreement in Principle and how do I get one?

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An Agreement in Principle (AIP) or Decision in Principle (DIP) is a pre-mortgage application that gives you a really good idea of what a lender will lend to you.

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Are longer term mortgages a good idea?

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Over the last few years we’ve seen the term (time it takes to pay back your mortgage) that you are able to spread your mortgage payments over increase, with some lenders extending the terms to 35 and 40 years. This results in lower monthly repayments – Hurrah! But is it all good news?
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I have debts, can I still get a mortgage?

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In the society we live in today, the vast majority of us will have some sort of debt. Lenders wouldn’t be processing many mortgages if a bit of credit was an issue.
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Get in Touch

3 Sorrel Horse Mews
Grimwade Street
Ipswich
IP4 1LN

 

01473 216950

 

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