Ashleigh Smith

A mortgage is also known as a ‘First Charge’, meaning that whoever has given a loan to buy the property must be the first to be repaid.

If you are wanting to buy a property to rent out, then more likely than not you will need a buy-to-let mortgage.

Although the traditional jobs associated with mortgages for the self employed such as builders, plumbers, and other trades people make up a fair percentage of the overall self employed numbers, there are so many more professions that can be added to the list. IT consultants, social media professionals, and even Read more…

All lenders are keen to know about your credit history. There is no doubt that the best deals are for those with a clean record of taking and repaying loans on time. However, a bad credit history can happen to anyone. Illness, loss of employment, and the break up of Read more…

Different lenders will have different rules, or criteria about what type loans they want to make and to who. Below are the ten most common types of mortgages.

As you can understand, the process of applying for a mortgage isn’t a quick one page form.

There are two ways that a lender will allow you to repay a mortgage. Either through an ‘interest only’ mortgage or a ‘repayment’ mortgage.

Being refused a mortgage can be a horrible experience, but before rushing into the next application you should make sure you understand why that lender turned you down and what you can do to improve your chances with the next one.

Here are our top ten tips for maximising your chances of successfully applying for the Mortgage most suited to you.

While your focus is probably on saving for the deposit you will need to buy your house, you shouldn’t ignore the other costs you will need to pay, such as arrangement fees, survey fees, and administration fees.