Category: Remortgages
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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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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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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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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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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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