New-found freedom if you are a mortgage prisoner
Are you stuck in your mortgage and unable to switch, even though you’ve been keeping up with your repayments? You might, unfortunately, fall into
Are you stuck in your mortgage and unable to switch, even though you’ve been keeping up with your repayments? You might, unfortunately, fall into
Recent industry figures have shown that 1.09 million people with adverse credit scores might be looking to buy a new property in the next 12 months.
Shared ownership is a government-aided initiative to help first-time homebuyers and existing homeowners purchase a new property by helping towards the deposit.
If you’ve just had an offer accepted on a new house, or are currently packing boxes, you may be wondering whether the higher tier coronavirus restrictions – and latest national lockdown – will affect your big move.
To move or improve. One of the side-effects of lockdown is that many people are re-evaluating the amount of space they need in their house and garden.
You can usually leave a fixed rate mortgage early – however, lenders usually require an early repayment charge and an exit fee.
A common question I get nearly every day is whether clients must use the Estate Agents or Builders Mortgage Broker. The short answer is ‘no’.
When you’re looking for a house, the fun part is trying to find the home to suit you. However, figuring out where to start when you’re looking at finance options can seem like a daunting task. With so many differing schemes, mortgages and housing options out there, it can be hard to narrow down exactly where you should start
Whats in this section What happens to the home if you are not married or in a civil partnership? What if we have a joint
Getting a foot on the property ladder and looking for a mortgage can be a really exciting time. But it’s also important you’re armed with the right information.
Payment holidays have been widely used as a way of relieving the strain put on UK households as a result of the widespread financial impact
What is Stamp Duty? Stamp duty is a tax paid when buying a property in England or Northern Ireland. Also known as Stamp Duty Land
A fixed rate mortgage basically means that your interest rate and payments won’t change for the initial product period of your mortgage.
Have you ever wondered how a credit score works? How it can affect you? Or why there are different agencies that create your reports?
Below we answer your questions and a link to a free credit report check*
A residential mortgage in the UK is a loan that is used to purchase a property for use as a primary residence. The lender, typically a bank or building society, uses the property as collateral for the loan. The borrower makes monthly payments to the lender until the loan is fully repaid, which is typically over a period of 25-30 years.
Right to Acquire is a scheme available if you are a housing association tenant in England. The scheme gives tenants the right to purchase their home at a discounted price. To be eligible for the scheme, tenants must have had a public sector landlord for at least three years.
Moving house checklist. Please find below our hints and tips for moving house.
Firstly, plan ahead, dont leave it until the last minute.
Equity release is a way to get cash from the value of your home. It allows you to unlock some of the equity (money) tied up in your property
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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Clever Mortgages is a trading name of Financial Makeover Limited. Financial Makeover Limited is a limited company registered in England and Wales with registered number 6111701. Registered Office: Kempton House Kempton Way, Dysart Road, Grantham, Lincolnshire, NG31 7LE. Financial Makeover Limited is authorised and regulated by the Financial Conduct Authority with registered number 706595. Your initial consultation and any quotations are free and you are under no obligation to proceed with any options that may be available to you. If you choose to go ahead with a mortgage or secured loan, a fee will become chargeable. Our calls may be recorded and monitored for training, compliance and complaint handling purposes. Please note commercial mortgages and some buy to let mortgages are not FCA regulated products.
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