Tag: Mortgage Basics

• 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

• 5 Hidden Costs to Budget for When Buying a Home

  Buying a property involves more than just the deposit. Many first-time buyers are caught off guard by the additional costs. Here are five to plan for: Top Tip: Budget an extra 3–5% of the property price to cover these and avoid surprises.

  Emilyjfranks12

  26th June 2025

  First Time Buyers

  First-Time Homebuyers, Fixed-Rate Mortgage Mortgage Refinance, Mortgage Basics, 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

• Why Income Protection Matters – Even More Than You Think

  Have you ever considered what would happen if you suddenly couldn’t work due to illness or injury? Many of us insure our homes, our cars, even our phones—but we often overlook protecting our most valuable asset: our ability to earn an income. Income protection is a financial safety net that provides you with a regular…

  Emilyjfranks12

  18th June 2025

  Insurances

  First-Time Homebuyers, Mortgage Basics

• 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

• Looking To Buy Your First Home- Part Four

  The final part of our first time buyer series talks about the mortgage journey! The mortgage journey in the UK is a process that involves several key steps, from receiving a mortgage Agreement in Principle (AIP) to completing the property purchase. Here’s a step-by-step guide to the typical mortgage journey: Step 1: Obtain an Agreement…

  Emilyjfranks12

  9th June 2025

  First Time Buyers

  Buying vs Renting, First Time Buyers, First-Time Homebuyers, Fixed-Rate Mortgage Mortgage Refinance, Home Buying Guide, Home Loans, home-buying, Housing Market Predictions, Interest Rate Updates, 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

• Understanding New Build Mortgages: Essential Insights

  Are you considering purchasing a new build property in the UK? Whether you’re a first-time buyer or an experienced homeowner, securing a mortgage for a newly built home comes with its own set of rules and considerations. Here’s a comprehensive guide to help you understand the process. Understanding New Build Mortgages A new build mortgage…

  Emilyjfranks12

  4th June 2025

  First Time Buyers, Shared Ownership

  First-Time Homebuyers, Fixed-Rate Mortgage Mortgage Refinance, Mortgage Basics, Tips for Homebuyers