Category: First Time Buyers
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Understanding Mortgage Capacity Reports in Divorce
Going through a divorce is challenging enough without having to navigate complex financial arrangements. One crucial document that often becomes central to divorce proceedings is the mortgage capacity report. If you’re facing divorce and dealing with property matters, understanding what these reports are and why they matter could make a significant difference to your financial…
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Case Study: How We Secured a Mortgage with Just One Year’s Self-Employed Accounts
Emily’s Mortgage Services Ltd helped a self-employed client secure their first home despite only one year of accounts. By utilizing projected income, they approached a flexible lender, providing necessary documentation and a strong business narrative. The client received mortgage approval quickly, demonstrating that alternative options exist for self-employed individuals.
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How Do Mortgage Lenders Assess CIS Income in the UK?
Subcontractors under the CIS often face challenges in securing mortgages, but many lenders assess their income favorably compared to standard self-employed applicants. CIS income may be evaluated using payslips, increasing borrowing potential. Working with a specialist broker can help navigate lender criteria, maximizing mortgage opportunities.
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Why Homebuyers Are Raving About Emily’s Mortgage Services Ltd
Emily’s Mortgage Services Ltd has received a 5-star Google rating for providing exceptional service to first-time buyers, self-employed clients, and families. Clients praise her rapid responses, clear communication, and ability to secure mortgages under challenging circumstances. Emily is dedicated to making the home buying process easier and more enjoyable.
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Why Mortgage Protection Insurance Is More Important Than Ever in 2025
Mortgage protection insurance is essential for homeowners, ensuring that mortgage payments can be covered in case of death or unexpected events. With rising costs and longer mortgage terms, it provides peace of mind for families. Options include decreasing and level term insurance, as well as critical illness cover. Consult an advisor for tailored advice.
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Conditional Selling Scandal: The Dark Side of UK Estate Agency Practices
Conditional selling in UK estate agencies has raised significant concerns among buyers and brokers, involving pressure to use in-house services. This illegal practice undermines transparency, increases costs, and complicates transactions. Advocacy for stronger regulations and consumer awareness is growing. Buyers are advised to know their rights and seek independent services.
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✅ Top 10 Things to Check When Viewing a Property – First-Time Buyer Guide (UK)
First-time home buyer in the UK? Discover the top 10 essential things to look for when viewing a house, from damp checks to plumbing and electrics.
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Why It’s Crucial to Read Your Mortgage Illustration (ESIS) Before Signing
Before you agree to a mortgage, make sure you’ve read and understood your mortgage illustration. Here’s why it matters—and what to look for.
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