Author: Emilyjfranks12
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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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Understanding New Build Mortgages: Essential Insights
Are you considering purchasing a new build property in the UK? Whether you’re a first-time buyer or an experienced homeowner, securing a mortgage for a newly built home comes with its own set of rules and considerations. Here’s a comprehensive guide to help you understand the process. Understanding New Build Mortgages A new build mortgage…
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