Tag: Home Buying Guide

• 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

  Emilyjfranks12

  11th November 2025

  Buy To Let, First Time Buyers, Mortgage Tips

  Home Buying Guide, Mortgage News, Saving for a Home, Tips for Homebuyers

• 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

  Emilyjfranks12

  9th October 2025

  First Time Buyers, Mortgage Tips

  First-Time Homebuyers, Fixed-Rate Mortgage Mortgage Refinance, Home Buying Guide, Mortgage Basics

• 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.

  Emilyjfranks12

  29th September 2025

  First Time Buyers, Remortgages

  First-Time Homebuyers, Fixed-Rate Mortgage Mortgage Refinance, Home Buying Guide, Mortgage Basics, Mortgage News, Tips for Homebuyers

• 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…

  Emilyjfranks12

  23rd September 2025

  First Time Buyers, Mortgage Tips, Remortgages

  First-Time Homebuyers, Fixed-Rate Mortgage Mortgage Refinance, Home Buying Guide, Mortgage Basics, Mortgage News, Saving for a Home

• Why Spray Foam Insulation Can Cause Problems with Mortgage Lenders in the UK

  Spray foam insulation is increasingly favored for enhancing energy efficiency in homes but poses challenges for mortgage applicants in the UK. It can hide moisture damage, complicate property valuations, and lead lenders to impose stricter requirements or refuse loans. Expert brokers can assist in navigating these issues for potential buyers and remortgagers.

  Emilyjfranks12

  24th July 2025

  Uncategorized

  Fixed-Rate Mortgage Mortgage Refinance, Home Buying Guide, Mortgage Basics

• Time To Remortgage? Here’s How It Happens!

  Remortgaging can be a smart way to reduce your monthly payments, secure a better interest rate, or release equity from your home. As your trusted mortgage broker, we’re here to guide you through the process and help you make informed decisions. Here’s what you need to know: What is Remortgaging? Remortgaging means replacing your current…

  Emilyjfranks12

  1st July 2025

  Remortgages

  Buying vs Renting, First-Time Homebuyers, Fixed-Rate Mortgage Mortgage Refinance, Home Buying Guide, Home Loans, Housing Market Predictions, Interest Rate Updates, Mortgage Adviser in Fakenham, Mortgage Basics, Mortgage Broker In Norfolk, Mortgage Broker Near Me, Mortgage News, Real Estate Market Trends, Refinance Strategies, Saving for a Home, Tips for Homebuyers

• Limited Company Buy To Let and SPV’s

  Limited company buy-to-let mortgages are tailored for property investors who choose to purchase and manage rental properties through a limited company rather than in their personal name. This structure has gained popularity in recent years, particularly among higher-rate taxpayers, due to its potential tax benefits and increased flexibility for managing property portfolios. Key Features of…

  Emilyjfranks12

  30th June 2025

  Buy To Let, investing, Property Investment

  Buying vs Renting, First-Time Homebuyers, Fixed-Rate Mortgage Mortgage Refinance, Home Buying Guide, Home Loans, Housing Market Predictions, Interest Rate Updates, Mortgage Adviser in Fakenham, Mortgage Basics, Mortgage Broker In Norfolk, Mortgage Broker Near Me, Mortgage News, Real Estate Market Trends, Refinance Strategies, Saving for a Home, Tips for Homebuyers

• Specialist Buy To Let…Holiday Lets!

  Today we are covering holiday lets and Airbnb Holiday let mortgages are designed for properties rented out on a short-term basis to holidaymakers rather than long-term tenants. These properties are typically located in tourist hotspots, such as coastal areas, countryside retreats, or city centers, and cater to travelers looking for temporary accommodation. Holiday lets can…

  Emilyjfranks12

  23rd June 2025

  Buy To Let, investing, Property Investment

  Buying vs Renting, First-Time Homebuyers, Fixed-Rate Mortgage Mortgage Refinance, Home Buying Guide, Home Loans, Housing Market Predictions, Interest Rate Updates, Mortgage Adviser in Fakenham, Mortgage Basics, Mortgage Broker In Norfolk, Mortgage Broker Near Me, Mortgage News, Real Estate Market Trends, Refinance Strategies, Saving for a Home, Tips for Homebuyers

• Specialist Buy To Let Mortgages

  Today we are looking at HMO’s and MUFB’s! HMO Mortgages Houses in Multiple Occupation (HMO) are properties rented out to three or more tenants forming separate households, often sharing common facilities like kitchens or bathrooms. Examples include shared student houses or professional accommodations. Due to their potential to generate higher rental yields compared to traditional…

  Emilyjfranks12

  16th June 2025

  Buy To Let, investing, Property Investment

  Buying vs Renting, First-Time Homebuyers, Fixed-Rate Mortgage Mortgage Refinance, Home Buying Guide, Home Loans, Housing Market Predictions, Interest Rate Updates, Mortgage Adviser in Fakenham, Mortgage Basics, Mortgage Broker In Norfolk, Mortgage Broker Near Me, Mortgage News, Real Estate Market Trends, Refinance Strategies, Saving for a Home, Tips for Homebuyers

• Buy To Lets- Property Investing

  A quick guide on the basics of investing in property! Buy-to-let mortgages are designed for individuals or businesses looking to purchase property as an investment, with the intention of renting it out rather than living in it. These mortgages differ from standard residential mortgages in terms of lending criteria, interest rates, and repayment terms, reflecting…

  Emilyjfranks12

  12th June 2025

  Buy To Let, investing, Property Investment

  Buying vs Renting, finance, First-Time Homebuyers, Fixed-Rate Mortgage Mortgage Refinance, Home Buying Guide, Home Loans, Housing Market Predictions, Interest Rate Updates, investing, Mortgage Adviser in Fakenham, Mortgage Basics, Mortgage Broker In Norfolk, Mortgage Broker Near Me, Mortgage News, mortgages, Real Estate Market Trends, Refinance Strategies, Saving for a Home, Tips for Homebuyers