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Author: amoore70

  • Help to buy ISA’s – a guide

    amoore70

    Help to Buy ISAs (Individual Savings Accounts) are a government scheme designed to help first-time buyers save for a deposit on their first home. If you’re considering opening a Help to Buy ISA or want to learn more about how they work, this guide has you covered. What is a Help to Buy ISA? A… Read more

  • The steps involved in buying a property

    amoore70

    In the process of buying a house in the UK, the exchange of contracts is a pivotal stage that marks a significant milestone in the transaction. It’s the moment when the agreement between the buyer and the seller becomes legally binding. Here’s what it entails: 1. Agreement Terms: 2. Solicitors: 3. Signing Contracts: 4. Deposit… Read more

  • Cardiff – a buyer’s guide to the Welsh capital

    amoore70

    Cardiff, the capital city of Wales, offers a vibrant and diverse range of neighborhoods, each with its own unique character and amenities. Whether you’re drawn to bustling city life, leafy suburbs, or waterfront living, Cardiff has something to offer for everyone. In this article, we’ll take a closer look at some of the best areas… Read more

  • Bankruptcy and how it affects mortgage applications

    amoore70

    Bankruptcy can have significant implications for mortgage applications in the UK. Here’s how it typically affects the process: 1. Credit History 2. Availability of Mortgage Products 3. Deposit Requirements 4. Affordability Assessment 5. Interest Rates 6. Time Since Bankruptcy 7. Improving Credit Score Conclusion Bankruptcy can significantly impact mortgage applications in the UK, making it… Read more

  • The 10 best places to live in the UK

    amoore70

    Choosing the best places to live in the UK can be subjective and dependent on individual preferences, such as job opportunities, schools, quality of life, cultural amenities, and natural beauty. However, several places consistently rank high in various surveys and reports. Here are ten of the best places to live in the UK, based on… Read more

  • Should I buy a property that has rising damp?

    amoore70

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    Buying a property is a significant investment, and one of the most critical factors to consider is the condition of the property itself. Rising damp is a common issue in older properties in the UK, but what exactly is rising damp, how much does it cost to fix, and should it deter you from purchasing… Read more

  • What’s included in a homebuyer’s report?

    amoore70

    A Homebuyer’s Report, also known as a Homebuyer Report or Homebuyer Survey, is a detailed inspection report provided by a qualified surveyor in the UK. It is typically commissioned by prospective buyers of residential property to assess the condition of the property and identify any significant issues that might affect its value or require immediate… Read more

  • The advantages of renting over buying a property 

    amoore70

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    The age-old debate of whether to rent or buy a property is one that continues to spark discussions among UK residents. While homeownership has long been considered a hallmark of financial success, renting has gained significant appeal in recent years, particularly as housing prices soar and the economic climate shifts. In this article, we’ll explore… Read more

  • Understanding vulnerable customers according to the FCA

    amoore70

    Introduction The Financial Conduct Authority (FCA) is the regulatory body overseeing financial services in the UK, ensuring that markets work well for consumers, businesses, and the economy. One of the key areas of the FCA’s focus is the treatment of vulnerable customers. Recognizing and appropriately supporting vulnerable customers is crucial in ensuring fair and equitable… Read more

  • Cooling off periods for mortgages – know your rights

    amoore70

    The process of securing a mortgage can be complex and daunting, involving significant financial commitment and long-term implications. To protect consumers, the UK has established a cooling-off period for mortgages, which provides borrowers with the opportunity to reconsider their decision after signing a mortgage agreement. This article explores what the cooling-off period entails, its importance,… Read more