Top 10 Mortgage Questions Answered
Moving house is stressful enough, and getting a mortgage in place can feel really daunting. With so many different products and rates available, it’s hard to know where to start. Taking a mortgage out is a big step and has long-lasting financial implications. The last thing you want to do is enter into one without […]
Why Should I Bother To Remortgage?
Remortgaging can help you to save money every month, and be a good way to get a lump sum of money, instead of taking out a personal loan. What is a remortgage? A remortgage is when you take out another mortgage on your home to replace your current loan or to borrow extra money against […]
What is the difference between a secured and unsecured loan?
Secured loans As the name would suggest, a secured loan is one that’s secured against something you own – for example, if you can’t afford to make your mortgage payments or keep to the arranged repayment schedule then you could risk a tarnished credit report or further action. There are many reasons to select a […]
Releasing equity from your home
What is equity release?
Equity release is a way to obtain money quickly by releasing it from the value of your property. You will lose ownership on a proportion of your property but will still be able to live in it. Read on to find out how to release equity in your home and see if it is the right option for you.
Reasons To Have Life Insurance
Reasons to have life insurance
There are many reasons to buy life insurance – whether you do or don’t have health issues. Naturally, if you do have health issues it makes sense to take out a policy
Check your credit score
You can check your credit file for free here with Noddle. Checking your credit file will NOT affect your score Many people avoid checking their credit report because they have been lead to believe it will have an impact on their overall score. In fact, you can check your own credit report as often as […]
buy-to-let mortgages for new and existing landlords
Investing in bricks and mortar is still seen as a good long-term investment and becoming a landlord to rent out a property is a way of having tenants’ rental income help pay for the mortgage and other associated costs.There have been some legislative changes to the buy-to-let market in recent years but for the right […]
How to improve your home on a budget
One of the first things you’ll probably think of when you hear the words ‘home improvement’ is, surprise surprise, money. Whilst it’s true that some people splash thousands upon thousands on the latest mod cons, expensive extensions and costly conversions, the majority of people just don’t have wads of cash lying around. This doesn’t, however, […]
Moving house – a countdown to move day
Moving house is really exciting, but it can also be quite a stressful experience if you’re not prepared. We’ve put together a list of things you need to do before the big day arrives! Tick these off and you should be all set for a smooth move: Cancel or move existing bills/contracts Redirect your mail […]
Making home improvements adding value to your home
With Easter just around the corner, now is a great time to start planning those home improvements you’ve been waiting to make. With our roads notoriously busy and holidays extremely pricey, the Easter break is the ideal opportunity to roll up your sleeves and get that much-needed DIY done! The best types of home improvements […]
Can I get a Mortgage after an IVA?
Can I get a mortgage after an IVA? You can get a mortgage after an IVA (Individual Voluntary Arrangement) but your choices may be more limited depending on the amount of time you have been out of the voluntary arrangement. Clever Mortgages are specialist mortgage brokers with a wealth of experience in helping to source […]
Is now the time to remortgage?
At Clever Mortgages, we have access to the latest remortgage products from a wide range of lenders. With interest rates remaining low you could switch to a new mortgage product to save money by getting a lower rate. There are also different types of mortgage to consider, such as a fixed rate, so you know […]
We can help you remortgage even with bad credit
If you have bad credit and need to remortgage your home, then don’t worry as we should be able to help. We understand there can be lots of reasons for people having an impaired credit profile and will look into your circumstances to make sure you’re offered the most suitable solution. A mortgage is not […]
The Best Ways To Fund Your Home Improvements
There’s a good chance that once you’re on the property ladder, you will want to put your own stamp on your house by making some home improvements. You might want a new kitchen or build an extension, whatever you want to do, you’ll most likely need to raise some capital in order to do it.
Check your credit score
Many people avoid checking their credit report because they have been lead to believe it will have an impact on their overall score. In fact, you can check your own credit report as often as you like without it having an impact on your score. Although every check of your report will create a footprint on your file, only searches made by financial lenders will leave a mark on your file that other lenders will see.
