Category: First Time Buyers
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A Festive Guide to Your Mortgage: Smart Money Moves for the Holiday Season (UK 2025)
December is an ideal time to review mortgages as the festive season offers opportunities to secure better deals before rate changes in 2025. Key actions include checking mortgage end dates, reviewing budgets, exploring remortgage deals, checking credit scores, and avoiding new credits. Preparing now ensures a strong start to the new year.
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UK Budget 2025 — What It Means for Your Mortgage 🏡
The UK Budget 2025 introduces significant changes affecting the property and mortgage landscape, notably a new mansion tax on high-value homes and increased taxes for landlords. While mortgage rates remain influenced by the economy, gradual house price growth is expected. Buyers and homeowners must plan carefully for affordability and potential tax implications.
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What Is a Down Valuation and How Does It Affect Your Mortgage?
Learn what a down valuation is, why it happens, and how it affects your mortgage or remortgage options. Expert insights from Emily’s Mortgage Services to help you navigate UK property valuations with confidence
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Why Is My First Mortgage Payment Higher Than Expected?
Wondering why your first mortgage payment is higher than expected? Learn the reasons behind it and how to prepare with expert advice from Emily’s Mortgage Services.
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How To Get a Mortgage When You’re Self-Employed
Self-employed individuals seeking mortgages face unique challenges, as lenders require extensive documentation to verify income stability. Despite higher risks and potential for higher costs, many lenders are becoming more accommodating. Thorough preparation, including financial records and consultation with specialists, can facilitate a successful mortgage application for self-employed borrowers.
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Mortgage Jargon Made Simple: 10 Terms Every Buyer Should Know in 2025
Confused by mortgage terms? Learn 10 essential terms — from LTV to SVR — explained in plain English so you can make informed decisions before applying
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Deposit Saved? Here’s How to Make Sure You Can Afford the Monthly Mortgage Payments
Saving the deposit is only step one. Learn how rates, term length, and loan size affect your monthly mortgage payments — with real examples for 2025 buyers.
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Starter Home vs. Dream Home — Which Should You Buy
Debating a starter home or holding out for your dream property? Explore the pros and cons of each — from equity growth to affordability and lifestyle choices.
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Fixed Rate Mortgage Ending? What It Means for Your Monthly Payments in 2025
Worried about your fixed rate ending? Discover how much your mortgage payments could rise in 2025 and explore your options to stay in control.
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Can You Remortgage with Bad Credit? Your Options Explained
Remortgaging is achievable even with bad credit, as lenders consider factors beyond credit scores, such as affordability and loan-to-value ratios. Specialist lenders and brokers like Emily’s Mortgage Services can assist in navigating options. Exploring your situation and taking proactive steps can enhance your chances of securing a favorable remortgage deal.
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