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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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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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✅ Top 10 Things to Check When Viewing a Property – First-Time Buyer Guide (UK)
First-time home buyer in the UK? Discover the top 10 essential things to look for when viewing a house, from damp checks to plumbing and electrics.
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Why It’s Crucial to Read Your Mortgage Illustration (ESIS) Before Signing
Before you agree to a mortgage, make sure you’ve read and understood your mortgage illustration. Here’s why it matters—and what to look for.
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APRC- What even is it and Why it’s not always relevant despite being on your mortgage illustration:
APRC, or Annual Percentage Rate of Charge, reflects the total mortgage cost over its term as a yearly percentage. However, it’s often irrelevant because most borrowers remortgage or switch deals before the full term. Its reliance on future rates, fees, and the unpredictable Standard Variable Rate can mislead consumers. Focus on short-term deals instead.
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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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Mortgages for Non-Standard Construction Properties in the UK: What You Need to Know
When buying a home, most people expect it to be built with traditional brick and block construction. But many properties in the UK are made using non-standard construction methods — such as timber frames, concrete panels, steel frames, or prefabricated elements. While these homes can be structurally sound and offer unique benefits, they often present…
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How We Help Clients with Adverse Credit Get Approved for Mortgages
Emily’s Mortgage Services assists individuals with adverse credit, such as missed payments and defaults, in securing mortgages. They collaborate with lenders who consider overall financial situations beyond credit scores, providing tailored solutions and expert guidance. Their aim is to facilitate homeownership and foster long-term financial growth despite past financial challenges.
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Why We Waive Our Fees for Blue Light Card Holders
Emily’s Mortgage Services simplifies home buying and remortgaging in the UK by offering transparent, low-fee services. Notably, they waive broker fees for Blue Light Card holders as a token of appreciation. Clients receive clear advice, support throughout the application process, and access to numerous mortgage options without surprise charges.
Emily's Mortgage Services LTD 