Category: First Time Buyers
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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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APRC- What even is it and Why it’s not always relevant despite being on your mortgage illustration:
APRC, or Annual Percentage Rate of Charge, reflects the total mortgage cost over its term as a yearly percentage. However, it’s often irrelevant because most borrowers remortgage or switch deals before the full term. Its reliance on future rates, fees, and the unpredictable Standard Variable Rate can mislead consumers. Focus on short-term deals instead.
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Mortgages for Non-Standard Construction Properties in the UK: What You Need to Know
When buying a home, most people expect it to be built with traditional brick and block construction. But many properties in the UK are made using non-standard construction methods — such as timber frames, concrete panels, steel frames, or prefabricated elements. While these homes can be structurally sound and offer unique benefits, they often present…
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