Category: Uncategorized
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Understanding Mortgage Deposits: How Much Do You Really Need?
Find out how much deposit you need for a mortgage and how to start saving. Learn about government support and deposit strategies.
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First-Time Buyer Mortgages: What You Need to Know
Discover key tips and options for first-time buyers, including help-to-buy schemes and deposit advice. Start your homeownership journey here.
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Fixed vs. Variable Rate Mortgages: Pros and Cons Explained
When choosing a mortgage, one of the first decisions is whether to go with a fixed or variable interest rate. A fixed-rate mortgage locks in your interest rate for a set period (usually 2, 5, or 10 years), offering predictable monthly payments. This is ideal for budgeting and protecting against rate rises. A variable-rate mortgage,…
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When did you last check your credit report?
Whether you plan to apply for a mortgage or not, it’s a really useful tool to have in your armour! I have partnered with CheckMyFile to give you a 30 day free trial! Why CheckMyFile? 1. Their reports go to all three credit reference agencies so you can see any conflicting information 2. They help…
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Mortgage Application Document Checklist for Your Broker (UK)
To apply for a mortgage, gather the following documents: proof of identity (passport or driving license), proof of address (utility bill or bank statement), proof of income (payslips or tax returns), bank statements, proof of deposits, details of debts, property information, and any relevant documents. Early preparation aids in smoother applications.
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#ad When did you last check your credit report?
Whether you plan to apply for a mortgage or not, it’s a really useful tool to have in your armour! I have partnered with CheckMyFile to give you a 30 day free trial! Why CheckMyFile? 1. Their reports go to all three credit reference agencies so you can see any conflicting information 2. They help…
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Conditional Selling & Choosing the Right Mortgage Broker: What You Need to Know
When applying for a mortgage, it’s important to be aware of conditional selling—a practice where a property professional or an estate agent suggests (or pressures) you into using their in-house mortgage broker, solicitor, or insurance provider as a condition for moving forward with your purchase. Here’s the reality:It’s illegal for a seller or estate agent…
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Poor Credit? You Can Still Get a Mortgage!
Struggling with poor credit but dreaming of owning your own home? It’s not impossible! While a less-than-perfect credit history can make getting a mortgage trickier, there are options available to help you take that next step. How Does Poor Credit Affect Mortgages?Lenders look at your credit history to assess risk. If you’ve had missed payments,…
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“My mortgage is simple – I don’t need a broker!” … Or do you?
Even if you think your case is straightforward, using a mortgage broker can save you time, stress, and even money! Here’s why:# More Lenders, Better Rates – Banks only offer their own products. Brokers compare hundreds of deals, including ones you won’t find on the high street! Less Paperwork, Less Stress – We handle the…
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