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Author: amoore70
Best places to live in Surrey
Surrey, located in the southeast of England, offers a variety of attractive places to live, each with its own unique characteristics, amenities, and lifestyle benefits. Here are some of the best places to live in Surrey: 1. Guildford 2. Woking 3. Epsom 4. Farnham 5. Reigate 6. Cobham 7. Leatherhead Summary: Surrey offers a range… Read more
Can I make overpayments on my mortgage?
Yes, you can overpay your mortgage in the UK, but the ability to do so and any associated terms can vary depending on your mortgage lender and the specific mortgage product you have. Here are the key points to consider regarding overpayments on a mortgage in the UK: 1. Overpayment Limits and Terms: 2. Early… Read more
Professions seen as high risk for critical illness cover
In the UK, certain professions are considered higher risk for critical illness cover due to the nature of the work involved, which might expose individuals to greater physical danger, health hazards, or stressful conditions. Insurance providers assess these risks when determining premiums and coverage terms. Here are some professions that are typically seen as high… Read more
Best places to live in Aberbeen
Aberdeen, known as the “Granite City,” offers a variety of appealing neighborhoods, each with its own unique character and amenities. Here are some of the best places to live in Aberdeen, considering factors such as amenities, transport links, schools, and overall quality of life: 1. Rosemount 2. Old Aberdeen 3. Bridge of Don 4. Cults… Read more
Why you should set a long stop date when buying an off-plan property
Using a long stop date when buying an off-plan property in the UK is crucial for protecting your interests and ensuring that the developer is held accountable for completing the project within a reasonable timeframe. Here are the key reasons why a long stop date is important: 1. Protection Against Delays: 2. Financial Security: 3.… Read more
Can I apply for a UK mortgage if I live abroad?
Yes, you can apply for a UK mortgage if you live abroad, but the process can be more complex compared to applying as a UK resident. Here are the key points and considerations: Types of Mortgages for Expatriates: Key Considerations: Steps to Apply: Example Scenario: Suppose you are a UK citizen working in the United… Read more
Defaults on your credit file, what are they?
default on your credit file indicates that you have failed to make payments on a credit agreement, such as a loan, credit card, or mortgage, for an extended period (usually at least three to six months). When you default on a credit account, the lender closes your account and records the default on your credit… Read more
Identification documents you will need to provide, when applying for a mortgage
When applying for a mortgage in the UK, you will need to provide several types of identification and documentation to verify your identity, income, and financial status. Here is a detailed list of the most commonly required documents: Proof of Identity: Proof of Address: Proof of Income: Proof of Financial Stability: Additional Documentation: Summary: For… Read more
Sub-prime mortgages – what you need to know
A sub-prime mortgage in the UK is a type of loan offered to individuals who have poor credit histories or other financial circumstances that make them a higher risk for lenders. These mortgages are designed for borrowers who do not qualify for standard (prime) mortgages due to factors such as a history of missed payments,… Read more
Will a probationary period stop me being able to apply for a mortgage?
Being in a probationary period does not automatically disqualify you from applying for a mortgage in the UK, but it can make the process more challenging. Here’s how a probationary period can affect your mortgage application and what you can do to improve your chances of approval: How Probationary Periods Affect Mortgage Applications: Steps to… Read more