How to Get a Mortgage and buying a home is exciting, but the mortgage side of things can feel like a maze of paperwork, jargon, and waiting. The good news is that the process breaks down into five clear stages. Get each one right and the rest tends to follow much more smoothly. Here is…
By Munro Mortgages If you have start a new job or just changed jobs, or you’re about to, you might assume a mortgage is off the table until you have months of payslips behind you. That is not necessarily true. Plenty of lenders will consider applicants in a new role, on probation, or working on…
Buying a home as a First Time Buyer is probably the biggest purchase you’ll ever make, and for most people, that means taking out a mortgage. If terms like “loan to value,” “fixed rate,” and “agreement in principle” feel like a foreign language, you’re not alone. This guide breaks down exactly how mortgages work in…
If you’ve ever searched for mortgage help and wondered whether you need a mortgage adviser or a mortgage broker, you’re not alone.
If you’re an investor weighing up which route suits your plans, this guide will help you understand what lenders actually look at, and why the label on the mortgage matters far more than people expect.
Helping a child or grandchild buy their first home with a Family Mortgage or similar is something many families want to do, but the right approach will depend on your finances.
When your initial mortgage deal ends, you should remortgage but if you don’t many lenders automatically move you onto their Standard Variable Rate (SVR). It’s one of the most expensive “default settings” in the mortgage world.
If you are remortgaging rather than moving home, it is easy to focus purely on the rate and overlook your protection.
If you are coming to the end of a fixed rate or tracker deal, it’s easy to assume a remortgage is simply a case of switching to a new rate when your current one runs out.
If you’re buying, remortgaging, or letting a property, your Energy Performance Certificate (EPC) rating could do more than tell you about heating bills, it can influence which mortgage deals you’re offered.
