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.

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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.

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Why use a mortgage broker?

You might ask what do they do that you can’t? Why should you pay for their services when you could do it yourself for free?

There are many costs when you move home or remortgage, a mortgage broker should be considered a part of the overall process. Don’t be put off by the fee and be tempted to go it alone.

Mortgage advice from a broker is an invaluable service.

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Understanding the Help to Buy Equity Loan Extension

Help to Buy has assisted many buyers to secure a new build home since it was launched in 2013. However, the scheme is due to change significantly. The current scheme will close to new applications on 15th December so buyers hoping to use it are running out of time. 

Both developers and purchasers who are using the current scheme will be aware of two key dates; a physical completion date for developers of 28th February 2021 and legal completion for buyers of 31 March 2021. 

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Emma

Choice Mortgages have provided me with a fantastic consultative service for over 10 years. I've had absolute peace of mind that everything related to my mortgage, home insurance, life insurance and critical illness insurance has been in hand. Nicki and the team have always given me informed guidance and I've had every confidence in their recommendations and products. A first-class service that I wouldn't hesitate to recommend.

A first-class service that I wouldn't hesitate to recommend.

Emma and her daughter