The process of buying a home, while very exciting, is not exactly all fun and games. As you navigate the process, you realise that there are a lot more costs and paperwork involved than you’d ever imagined. Chances are, the word ‘costs’ in this headline may even be unsettling you. Especially if you’re a first-time buyer, you’re likely doing your homework on ways to cut costs and get the transaction done as efficiently as possible. Can you relate?
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How do mortgage advisors save you money?
Buying your first home (or any property for that matter) is one of life’s biggest, most memorable events. It is often representative of hard work, perseverance, and patience. Unfortunately, it is also one of the most expensive things you’ll commit to doing, perhaps for the longest period of your life, too. You’re going to want to embrace all the ways you could be saving on costs, and sometimes those costs go beyond financial.
Read more…How to prepare for a mortgage application
The decision to take out a mortgage can very well be one of the biggest decisions you will make in life. Then once you’ve made the decision to take the plunge and do it, you’re faced with what feels like so many obstacles in the form of admin and processes. Preparing for your loan application can be daunting, but we’re here to help you navigate the process in the hope that the load is made a little lighter for you.
Read more…Help To Buy Equity Loans: What you need to know before the scheme ends for good
Since 2013, UK home buyers have been able to access loan assistance thanks to the government’s Help To Buy Equity Loans scheme. During the housing crisis and tough economic times, it has made property ownership a reality for many young people who otherwise would never have been able to afford it.
Read more…Mortgage rate fluctuations
According to the Financial Times, UK mortgage rates rose at their fastest pace for a decade in the last six months, according to data from the Bank of England. This fuels the expectation that the country’s housing market is cooling after a pandemic-induced boom.
Read more…Property Investments: Limited company versus Personal Name
There was a time when personal investments were the go-to option for buy-to-let property purchases. However, since the UK government introduced legislative changes to Section 24, more and more property investors are now choosing SPV (special purchase vehicles) options in the form of limited companies.
Read more…The importance of keeping existing insurance policies in place
When you take out an insurance policy, you are usually in it for the long run. However, circumstances alter, and as a result, you can sometimes be in a situation where considering cancelling policies can cross your mind. For example, in times of economic change and stress, it has become common to cancel expenses you’d class as not required, such as memberships, subscriptions, beauty treatments and in some extreme cases, insurance policies.
Read more…The Cost of Mental Health in the UK
Undiagnosed, untreated, and unrecognised symptoms of depreciating mental health costs the global economy more per year than the GDP of a small to medium country. To put this into perspective, let’s look at a few statistics.
Read more…Personal Protection and Peace of Mind
When was the last time you checked your personal protection? Do you know what you are covered for and when you would be eligible to make a claim?
Read more…Get mortgage fit in 2021?
Millions of borrowers are likely to paying the lender’s default standard variable rate (SVR). Is this you? If so, now is the perfect time to consider a remortgage.
Read more…What is business protection?
The importance of business protection is often overlooked. It can help businesses continue to trade if an owner or key person within the business dies or becomes critically ill. The policy could help ensure that key people are replaced, the debt of the business is covered or shares from the deceased partner/director’s estate are purchased.
Business owners are quite often focused on the day to day running of the business and don’t always have the time to think about the what if’s.
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