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MORTGAGE BLOG – ARTICLES
January 2025
Mortgage Glossary
The best websites for staying up to date with mortgage news
Is it possible to get a mortgage on a studio flat under 30m2?
The differences between a DA (Direct Authorised) and AR (appointed representative) mortgage broker
December 2024
Best places to live in Aberdeen
Professions seen as high risk for critical illness cover
Can I make overpayments on my mortgage?
Is it possible to obtain a mortgage for a property above a shop?
Best places to live in Surrey
Rent to rent (R2R) – is it legal?
Things to consider when buying a property to use as an Air BnB
Choosing a 2, 5 or 10 year fixed mortgage
Best places to live in Gloucestershire
Understanding AML (Anti-Money Laundering) checks
Combined loan to value (CLTV) explained
Property types that offer the best rental yields in the UK
A list of the ten biggest conveyancing firms in the UK
What does a conveyancer do?
How good broadband speed adds value to your property
A look at the closed bids process of buying a Scottish property
Best places to live in Wales
NHBC 10 year guarantees explained
Roles and responsibilities of a mortgage guarantor
The minimum room sizes for HMO properties
Best places to buy a holiday home in Devon
Pros and cons of buying a bungalow
Living near good schools and how they affect property prices
The 10 biggest mortgage lenders in UK
What does a building survey consist of?
How landscaping your garden can add value to your property
Mortgage glossary – our handy guide to understanding key mortgage terms
How the FCA regulates UK mortgages
Best areas to live in Wiltshire
Can you buy a property without using a conveyancer?
Furnished properties – what should be included?
November 2024
Best areas to live in Edinburgh
The risks of re-mortgaging as part of a debt consolidation programme
What income is included in a lender’s affordability assessment?
Open and closed bridging finance explained
Sharia-compliant home purchase plans explained
What is a limited liability guarantee mortgage?
The differences between fixed and capped rate mortgages
Chancel repair liabilities – what you need to know
Interest only mortgages – what happens if the debt is not cleared at the end of the term?
Hybrid lifetime mortgages – what are the benefits?
Sharia mortgages: the Murabaha method
Drawbacks of an equity share mortgage
Importance of a local authority search
Should I be worried that my house has heave?
The most popular countries where Britons buy a holiday home
Different ways to obtain your credit score
Should I choose a discounted mortgage?
Sharia law mortgages: Ijara method explained
Do I need planning permission for a loft conversion?
Do bonus payments count as income for mortgage applications?
Will a probationary period stop me being able to apply for a mortgage?
Sub-prime mortgages – what you need to know
Identification documents you will need to provide, when applying for a mortgage
Defaults on your credit file, what are they?
Can I apply for a UK mortgage if I live abroad?
Why you should set a long stop date when buying an off-plan property
October 2024
Why consider critical illness cover for children?
Best areas to live in Manchester
A look at the UK’s 10 biggest housebuilders
Higher lending charges explained
Mortgage in principle explained
What is land and buildings transaction tax?
What you need to provide to get a UK mortgage if you are self-employed
Best areas to live in Liverpool
Understanding inflation and its impact on interest rates
Can child maintenance payments count towards a mortgage application?
Restrictive covenants explained
Can I withdraw from my house purchase after exchanging contracts?
Best areas to live in Sheffield
Am I excluded from getting a mortgage?
Will I be liable for the mortgage after separation?
Using a trustee in a mortgage application
Reasons why a lender can withdraw a mortgage offer
Best areas to live in Nottingham
Life assurance – can a lapsed policy be reinstated?
What is meant by ratification?
Execution only basis mortgages
What happens when a lease expires on a leasehold property in the UK?
The process of enfranchisement explained
Reasons why drainage searches are important
September 2024
Spray foam insulation – is it worth it?
Intermediation and Disintermediation explained
Support for mortgage interest loans (SMI) explained
Taking a look at business critical illness cover
Cooling off periods for mortgages – know your rights
What’s included in a homebuyer’s report?
The 10 best places to live in the UK
Understanding vulnerable customers according to the FCA
Bankruptcy and how it affects mortgage applications
Cardiff – a buyer’s guide to the Welsh capital
The steps involved in buying a property
Should I buy a property that has rising damp?
The dangers of buying a property on a flight path
What you need to know about owning a listed building
Navigating the pros and cons: Buying a ground floor flat
The heart of the home: Why the kitchen reigns supreme
All about Key Facts Illustrations
Do resident parking permits affect property prices?
Landlord insurance – what’s covered?
Right to manage – all you need to know
Credit impaired customers and the impact on mortgages
Adverse mortgages – what are they and who are they for?
Understanding legal titles in UK land ownership
ESIS forms – what are they and what should they contain?
All the costs involved in buying a property
Stamp duty land tax rules for second homes
Living on a houseboat – what you need to know
August 2024
The disadvantages of buying off-plan properties
The advantages of renting over buying a property
Overview of Inheritance Tax (IHT) and 2024 rates
Is there a place for day one re-mortgages?
Interest coverage ratio (ICR) explained
What is meant by unencumbered property?
What Are the Most Overlooked Financial Aspects of Divorce?
The best websites to find your next home
Commonhold – a guide to property ownership
Consumer buy to let and the accidental landlord
What is a deed of postponement?
Subrogation and how it affects mortgages
Self build mortgages explained
Explaining higher lending charges
Renting an unfurnished property – what’s included?
The good and bad of currency mortgages
Energy Performance Certificate’s (EPC) explained
Semi-commercial mortgages explained
List of lenders who offer commercial mortgages
How much value is added to a property after installing gas central heating?
Gambling and the impact on mortgage applications
Village living – the pro’s and con’s
When is the best time of the year to sell a property?
Second charge mortgages – the advantages and disadvantages
The financial impact of selling a right to buy property
Understanding the risks of buying property on a flood plain
Understanding expenditure considerations when applying for a UK mortgage
What are the advantages of buying off-plan property
Stress ICR (Interest rate affordability stress test)
Gazumping: How prevalent is it in 2024?
July 2024
Understanding Equity Release : What It Is and How It Works
Understanding HMOs in and Their Impact on Mortgages
Understanding APR and Its Role in UK Mortgages
New builds – the pro’s and con’s
Will cladding affect the value of my property?
The pro’s and con’s of buying a terraced house
Everything you need to know about level term assurance
Do I need an EWS1 form for my property?
Exploring mortgage protection products in the UK: Safeguarding your home and finances
Understanding the right to buy scheme
Exploring decreasing term assurance: Protecting your mortgage and loved ones
Understanding planning permission for conservatories
Split leasehold – what is it and what are the pro’s and con’s?
Exploring Bristol: A guide to its vibrant neighbourhoods and best places to live
Joint tenants or tenants in common
Capped rate mortgages – what you need to know
Average rental prices for UK’s major cities
What is a discounted rate mortgage?
A buyer’s guide to Bath, Somerset
Pros and cons of buying a bungalow: A comprehensive guide
What survey should I choose? A comprehensive guide to home surveys for UK buyers
Property ownership around the world: A comparative analysis
A comprehensive guide to buying property at auction in the UK
Where are the best area’s in Birmingham to buy property for rental purposes?
My planning application has been rejected, what do I do?
Mortgage payment holidays explained
Council tax – a comprehensive guide
Understanding stamp duty land tax (SDLT) in the UK: Current rates and key information
June 2024
How to improve your credit score
Liberal democrats unveil housing policy ahead of election
Green party announce their housing policy for July election
Ways to pay off your mortgage early
Reasons to use a mortgage broker
How much can I borrow for a mortgage?
Labour to introduce mortgage guarantee scheme
Will mortgage rates go down in 2024?
Interest only v repayment mortgages. Which is better for you?
Bridging loans – how do they work?
What is labour’s housing policy for the upcoming election?
The best places to retire in the UK
How many first-time buyers will benefit from a permanent freeze to stamp duty?
Can I change my mortgage offer?
Second charges, what are they?
Mortgages in the UK, a look at the different types available
Getting a mortgage when you are retired
Housing policy for 2024 election from the conservatives
Understanding critical illness cover
Long term mortgages, how much more expensive are they?
The best home improvements to add value to your property
Freehold vs Leasehold – understanding property ownership
Do I need planning permission for my loft conversion?
Understanding home reversion plans
High net worth customers and mortgage applications
CCJ’S and impact on mortgage applications
Debt relief orders and how they relate to mortgages
May 2024
Should I choose a fixed, tracker or variable rate mortgage?
Understanding the Different Types of Power of Attorney in the UK and Their Impact on Property
10 things to do before applying for a mortgage
Retirement interest only mortgages – a comprehensive guide
How can first time buyer’s handle rising interest rates?
What are the advantages of overpaying your mortgage?
Are you paying too much for your mortgage?
Understanding loan to value – a comprehensive guide