USING AN EQUITY RELEASE LIFETIME MORTGAGE TO BUY A HOME

Posted on June 3rd, 2021, written by

A lifetime mortgage is essentially a loan that you take out on your home, which doesn’t need to be repaid until you pass away or go into long-term care. Not only will you be able to free up some of the wealth of accumulated equity in your home, you will also be able to continue to live there, should you wish to.

Can I get a Green Mortgage?

Posted on May 17th, 2021, written by

We are more and more aware of our impact on the environment. We take care to recycle our plastic bottles and cardboard, we try to buy food with less and less packaging. We can walk and cycle instead of getting in our cars. We appreciate the impact we have when we get on a plane or eat large amounts of meat. But do […]

Spray foam insulation

Posted on November 11th, 2020, written by

Spray foam insulation has been around for over 30 years, but it is becoming more popular as a means of insulating attic and roof spaces. However, this can significantly affect your chances of getting a conventional mortgage or equity release lifetime mortgage. What is spray foam insulation? Also known as spray foam, or spray polyurethane foam (SPF), this is an alternative to traditional […]

How much does equity release advice cost?

Posted on September 24th, 2020, written by

For those considering an Equity Release plan, it is important to speak with a qualified and experienced adviser. Indeed, the lifetime mortgage and home reversion plan providers will not accept an application from anyone who has not received professional advice. However, the cost of that advice can vary – a lot. Some equity release advice firms charge a fee equal to a percentage […]

Buying a house in challenging circumstances

Posted on August 21st, 2020, written by

The mortgage market has changed since lockdown began, and the process of buying a new home has also changed. We have produced a document to answer a few of the questions these changing times have created, and a guide to buying a home and getting a mortgage in challenging times

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 […]

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Your home may be repossessed if you do not keep up the repayments on your mortgage. We charge a fee for mortgage advice. The fee will be £350 where we are also able to retain commission from the lender, or you may pay a fee of 1% of the loan amount, subject to a minimum of £750, and we will refund the commission to you.

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