Emily's Mortgage Services LTD

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
Looking To Buy Your First Home- Part Three!

This week is all about schemes available to first time buyers! In the UK, several home-buying schemes are designed to help first-time buyers get onto the property ladder. These schemes offer financial support and help reduce the barriers to homeownership, such as high deposit requirements. Below are the key home-buying schemes currently available to first-time…

Emilyjfranks12

2nd 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
How to Choose the Right Conveyancer When Buying a Home

What is a Conveyancer? If you’re buying or selling a property in the UK, you’ll need a conveyancer—a legal professional who handles all the legal work and paperwork involved in transferring property ownership. This includes: You can use a licensed conveyancer or a solicitor who specialises in property law. Both are qualified to handle the…

Emilyjfranks12

29th May 2025

Buy To Let, First Time Buyers, Property Investment, Remortgages, Shared Ownership

First-Time Homebuyers, Mortgage Basics, Tips for Homebuyers
Looking To Buy Your First Home- Part Two!

For our next instalment, we talk more about the mortgage itself! Types of Mortgages in the UK When it comes to buying a home in the UK, choosing the right type of mortgage is crucial. There are various mortgage options, each designed to suit different financial situations and goals. Understanding these types can help you…

Emilyjfranks12

26th May 2025

First Time Buyers

Buying vs Renting, First Time Buyers, 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, Mortgage Broker In Norfolk, Mortgage Broker Near Me, Mortgage News, mortgages, Real Estate Market Trends, Refinance Strategies, Saving for a Home, Tips for Homebuyers
The Ultimate Guide to Buying a Shared Ownership Property in the UK

What is Shared Ownership in the UK? Shared ownership is a government-backed scheme that helps first-time buyers and those with lower incomes get a foot on the property ladder. It allows you to buy a share of a home (usually between 10% and 75%) and pay subsidised rent on the remaining portion, which is owned…

Emilyjfranks12

21st May 2025

First Time Buyers, Shared Ownership

Fixed-Rate Mortgage Mortgage Refinance, Interest Rate Updates, Mortgage Basics, Mortgage News, Tips for Homebuyers
Buying Your First Home, Part One!

Join us for a four part series over the next few weeks! Buying your first home is an exciting and significant milestone in life, but it can also feel overwhelming, especially when it comes to navigating the mortgage process. Understanding the ins and outs of home financing is key to ensuring that you make informed…

Emilyjfranks12

19th May 2025

First Time Buyers

Bridging Finance, 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, 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
Property Surveys- Don’t Get Caught Out

Property surveys are essential for homebuyers and investors, providing a detailed inspection of a property’s condition. Following RICS standards ensures expertise and clarity. There are three main types: Level 1 for newer homes, Level 2 for standard properties, and Level 3 for comprehensive evaluations. Surveys should be obtained after an offer is accepted but before…

Emilyjfranks12

15th May 2025

First Time Buyers, investing, Property Investment

First-Time Homebuyers, Fixed-Rate Mortgage Mortgage Refinance, Home Buying Guide, Mortgage Basics, Mortgage News, Real Estate Market Trends
Porting – Can I Keep My Current Mortgage Rate and Move Home?

Porting your mortgage allows you to transfer your current mortgage deal to a new property, helping you avoid early repayment charges (ERCs) and keep your existing interest rate. Here’s what you need to know: What is Mortgage Porting? Mortgage porting involves moving your existing mortgage from one property to another without paying it off or…

Emilyjfranks12

12th May 2025

Porting, Remortgages

Bridging Finance, Buying vs Renting, 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, Mortgage Broker In Norfolk, Mortgage Broker Near Me, Mortgage News, moving home, Real Estate Market Trends, Refinance Strategies, Saving for a Home, Tips for Homebuyers