Tag: Mortgage News
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Why 2026 Is a Standout Year for UK Property Buyers
In 2026, the UK property market shifts favorably for buyers, making homeownership more accessible due to lower interest rates and relaxed lending criteria. With increased inventory and motivated sellers, buyers gain negotiating power and can find properties below market value. It’s an ideal time to act decisively on property investments.
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How to Save a House Deposit in 2026 Without Feeling Miserable
Saving for a house deposit in the UK can be manageable and even enjoyable with the right strategies. Typically, deposits range from 5% to 20% of the property value. Utilizing savings accounts like Cash ISAs and LISAs can enhance your savings. It’s vital to set realistic goals and automate savings for success.
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Master Your Credit Score for a 2026 Mortgage Approval
Credit scores are crucial for lenders to evaluate repayment reliability. A strong score secures favorable loan terms, while a low score signals high risk. Regularly checking credit reports, correcting errors, and maintaining low credit utilization can improve scores. Understanding lenders’ criteria enables strategic financial planning for major investments by 2026.
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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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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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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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