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Homeownership is all about living somewhere you love and creating long-lasting memories. But there is a business side to it, no matter how much we might like to think of a home as our humble abode and nothing else. Every … Read More

The mortgage application process often contains a number of keywords that you might not recognise. These words are referred to as ‘technical terms’ in the industry but, in reality, they can come across as a bit jargon-y. From AVMs to DIPS, and CCJs to SMIs, it’s … Read More

How to release equity from your home Releasing equity from the main property you live in could be an effective way to raise cash later in life. But while equity release may suit some people, it’s not advised for everyone … Read More

In the world of homeowner mortgages, the idea of getting a loan and only paying off the interest would send most people running for the hills these days. When it comes to buy-to-let, however, the rules are quite different. If … Read More

Remortgaging with a new lender can help reduce your monthly mortgage payments or raise cash by releasing equity in your property. It’s typically done at the end of your current mortgage deal’s term but it can also happen during the … Read More

Part and parcel of getting a mortgage Remortgaging is part and parcel of getting  a mortgage and something most people do when their fixed-rate ends. While the tides are changing somewhat thanks to the introduction of long-term fixed-rate mortgages, most … Read More

Remortgaging a buy-to-let property is usually done to avoid lapsing onto a lender’s more expensive Standard Variable Rate. But it’s also a great opportunity to see if you can reduce your monthly payments or shorten the remaining term. It can also … Read More

Everyone wants to be excellent Credit scores are a fundamental part of getting a mortgage. Not only do they affect how much you can borrow, but they also dictate how much you’ll pay each month for the repayments. That’s because … Read More

Many people get a remortgage in the UK. More than 450,000 remortgages were approved in 2020 alone, be it to buy a second home, access capital after the house value increased or simply switch to a better deal.  In the … Read More

Understanding how it all works A property valuation leads to a mortgage offer, which usually takes around one week to receive from the lender. That’s once the valuation is complete after being performed physically by a surveyor or using an … Read More