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What happens during a mortgage valuation? The valuation is arguably the most important part of getting a mortgage. It confirms if the house you’re buying (or own if you’re remortgaging) is worth the amount stated. Once the valuation is complete, … Read More

There is every chance that you’ll need to get a mortgage to buy your home. Unless, of course, you have a bottomless pit of money to purchase lavish houses outright. But considering that 63% of all households have a mortgage on their … Read More

You will need a mortgage in principle before you can get a mortgage. It’s one of the most important parts of the lending process and sets you on your journey to buying a new property. But what is a mortgage … Read More

You know that feeling you get when you see your Uber rating go up and down? Yeah, well, credit scores are a bit like that, only they’re way more important. That’s because your credit rating, which is determined using a … Read More

How much can you borrow to buy a house? Before you can buy a new home, first, you’ll need to know what you can afford. While that might seem logical, the amount isn’t always clear for potential movers – especially … Read More

In the world of residential homes, a repayment mortgage is about as standard as it comes when borrowing to fund your next move. In the buy-to-let landscape, however, it’s more common to see an interest-only mortgage being snapped up by … Read More

For anyone who wants to borrow money to have your own home, a mortgage is your access point. It is the gateway to that weekend getaway in the countryside. While the process of a mortgage is reasonably straightforward – apply … Read More

The initial rate, also known as “initial term cost”, allows lenders to set a specific interest charge over an agreed period of time on your mortgage. That initial term cost is regulated by the Financial Conduct Authority (FCA), and the average rate … Read More

Leaving your fixed-rate early Fixed-rate mortgages give you security. You’re locked into a price for a set amount of time and know exactly how much you need to pay each month. But what happens if you consider leaving your fixed-rate … Read More

When getting a mortgage, you’re usually presented with two options regarding the interest: fixed rate and variable. Most borrowers opt for a fixed-rate mortgage (more on why in a bit), though variable options are available. If you’re wondering about fixed … Read More