House Price Movements

Posted on June 15th, 2020, written by

Many prospective house buyers and sellers will be watching anxiously for news about house price movements, and in particular possible falls in prices. The mortgage lender Halifax has recently issued its latest property price index, which suggests prices fell by 0.2% in May 2020. However, it also suggests that house prices moved UP by 2.6% for the year to May. The average house […]

Equity Release – A New ‘Normal’

Posted on May 26th, 2020, written by

The Coronavirus and associated UK lockdown has had a dramatic impact on the world of Equity Release. There were three key parts of the application process which were affected – face to face meetings with prospective clients, valuations of properties and meetings with client Solicitors. CLIENT MEETINGS The first issue, face to face client meetings, became partly resolved with the immediate surge of […]

Mortgages in a locked down world

Posted on May 13th, 2020, written by

During these unprecedented times, everybody and every way we work has been affected by Covid-19. I felt it would be worthwhile outlining just a few of the impacts it has had on the mortgage and housing market. There are concerns the housing market will see reduced house prices, with a report published by The Centre for Economics and Business Research suggesting a 13% […]

Should I take a payment holiday on my mortgage?

Posted on May 11th, 2020, written by

We are being asked by some of our clients ‘should I take a payment holiday on my mortgage?’. If you have been furloughed as a result of the Coronavirus, it may be very tempting to apply to your mortgage lender for a 3-month payment break. For some, the break will undoubtedly be a valuable lifeline. Some workers have no Government financial support such […]

Coronavirus Covid-19

Posted on March 23rd, 2020, written by

At the time of writing, and with the number of cases of Coronavirus Covid-19 increasing rapidly, our team is now self-isolating and working from our respective homes. It therefore makes sense for Andy Wilson Financial Services to temporarily suspend face-to-face client meetings for the safety of our clients and ourselves. Our older Equity Release clients in particular need to be shielded from possible […]

EQUITY RELEASE LIFETIME MORTGAGE EARLY REPAYMENT CHARGES EXPLAINED

Posted on January 7th, 2020, written by

There are two types of Equity Release; Home Reversion Plans and Lifetime Mortgages. Home Reversions involve a change of ownership of the property and so there is no debt to pay off. However, Lifetime Mortgages are mortgages on the property which are designed to run for the life of the borrowers. If they are repaid in circumstances other than the death of the […]

Unusual property to mortgage?

Posted on October 17th, 2019, written by

We were recently presented with a challenge that seemed impossible: provide a mortgage for a client to buy a single storey bungalow built in the 1960’s from a timber frame, with no bricks involved and clad only in Cedar wood shingles. On top of this, the client wanted to continue running a volunteer cat protection charity from the property, housing a large number […]

Mortgage Acronyms

Posted on October 10th, 2019, written by

Here at AWFS (Andy Wilson Financial Services) we always try to ensure that our clients fully understand their mortgage that they are taking out, and therefore we use plain English to explain the commitment they are taking out. However, the finance world is full of jargon and mortgage acronyms, so let us explain ten of the more common ones: AIP or DIP. Agreement-in-principle, […]

10 tips to boost your mortgage credit score

Posted on March 18th, 2019, written by

One of the techniques lenders use when assessing you for a mortgage is called ‘Credit Scoring’. This is a computerised system which allocates ‘scores’ to different aspects of your personal and financial situation. The scores are added up and you must pass a threshold value for them to be able to lend to you. Some things score higher than others. Being married with […]

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