Category: Mortgage Tips
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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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Remortgage Timing Checklist: When to Remortgage
Timing your remortgage can lead to significant savings and lower monthly payments. Start shopping for deals six months before your mortgage ends, review terms, and check your credit profile. Organize documents in advance and compare lenders for the best rates. Early remortgaging can be beneficial under certain financial conditions.
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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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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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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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