Deposits
Deposits are probably the biggest change to the housing market in 2020. With Covid-19 taking the spotlight. It was quite common back in January this year to be able to get a mortgage with a 5% deposit. Unfortunately when Coronavirus hit that all changed. Since then Lenders reduced their maximum loan to value and most […]
Estate Planning – 7 Things that might happen without a Will
Do I need a Will? These are 7 things that might happen if you don’t… 1. You cannot be sure those you would wish to benefit will actually do so. 2. Your spouse/civil partner will not automatically inherit ALL of your Estate. 3. ‘Common Law’ partners may not receive anything. 4. Minor children could […]
7 Bad credit problems that won’t necessarily stop you getting a mortgage
So you have adverse credit history, you can still get a mortgage! 1. Bankrupt – If this is discharged over 3 years you can still get a mortgage, if less than 3 years, start planning for when you get to 3 years.2. Debt Management plans – If you’ve had or even are in a Debt […]
5 top tips for first time buyers!
1. Check your credit rating – You can do this for free on many websites, it’s well worth seeing if you can improve your credit rating before applying. Start by getting a report, we use checkmyfile.com. Once you’ve seen your report try and improve your rating, this includes: paying off debts getting on the electoral […]
