Author: Emilyjfranks12
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Why We Waive Our Fees for Blue Light Card Holders
Emily’s Mortgage Services simplifies home buying and remortgaging in the UK by offering transparent, low-fee services. Notably, they waive broker fees for Blue Light Card holders as a token of appreciation. Clients receive clear advice, support throughout the application process, and access to numerous mortgage options without surprise charges.
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What Is a Commercial Mortgage – And When Do You Need One?
Commercial mortgages are designed for properties used for business or investment, suitable for owners, investors, developers, and landlords. Key features include loan sizes starting at £50,000, required deposits of 25-40%, and interest rates based on risk factors. Working with a specialist broker can facilitate the complex lending process.
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Thinking of Investing in an HMO? Here’s What You Need to Know About HMO Mortgages
Investing in a House in Multiple Occupation (HMO) can yield high rental income but requires a specialist HMO mortgage. Unlike standard buy-to-let mortgages, HMO financing has unique criteria including higher deposits, stricter stress testing, and specific legal requirements. Utilizing a specialist broker can simplify this complex process and improve outcomes for investors.
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Conditional Selling & Choosing the Right Mortgage Broker: What You Need to Know
When applying for a mortgage, it’s important to be aware of conditional selling—a practice where a property professional or an estate agent suggests (or pressures) you into using their in-house mortgage broker, solicitor, or insurance provider as a condition for moving forward with your purchase. Here’s the reality:It’s illegal for a seller or estate agent…
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5 Hidden Costs to Budget for When Buying a Home
Buying a property involves more than just the deposit. Many first-time buyers are caught off guard by the additional costs. Here are five to plan for: Top Tip: Budget an extra 3–5% of the property price to cover these and avoid surprises.
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Fixed vs. Variable – Which Mortgage Type Is Right for You?
When choosing a mortgage, one of the biggest decisions is whether to go with a fixed-rate or a variable (tracker or standard variable) rate mortgage. Here’s a quick breakdown to help you decide: Fixed-Rate MortgageYour interest rate stays the same for a set period—typically 2, 3, or 5 years. Variable-Rate MortgageThe interest rate can change,…
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Why Income Protection Matters – Even More Than You Think
Have you ever considered what would happen if you suddenly couldn’t work due to illness or injury? Many of us insure our homes, our cars, even our phones—but we often overlook protecting our most valuable asset: our ability to earn an income. Income protection is a financial safety net that provides you with a regular…
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