As a director, you might think of yourself as employed but - in the eyes of mortgage lenders you’re self-employed. If you own a 25% or more share of your company, you’re self-employed. What Are Your Options? Those considered to be self-employed, are: sole traders partnerships limited...
How to Avoid Mortgage Stress Hello everybody, today I want to talk about solar panels We’ve had a couple of cases where solar panels have caused us, and our clients, issues so I want to share some information with you. Your Options for Solar Panels We have one client...
Hello. So today we’re going to talk about shared ownership. You might be looking to buy a property – or remortgage if you already own one with shared ownership – but traditionally, it’s normally a purchase. It might be that you’re hoping to get onto the property...
So, as I said in my last blog, I want to share more with you about the seven families being supported by the 7 Families charity. As I mentioned in How 7 Families Changes Lives [include a link here], this is a charity supported by insurance...
Hi Everyone, I’d like to talk today about your monthly outgoings, and what’s important to you. Have you ever looked at your monthly outgoings and reviewed them? Contacted your providers and got yourself a better deal on your mobile phones? Your Sky or Virgin? Your gas...
Hello everyone, thank you for taking the time to read my blog. I’m going to use this blog as an opportunity to tell you about a fantastic charity, 7 Families; and, I’d like you to take some time to visit their website and read the stories...
Estate Agent Mortgage Broker Some estate agents have been reported putting pressure on people to use their mortgage service, saying they will get preferential treatment, some may make you believe that if you use their broker it would secure the sale or worse, claiming they are...
According to Moneyfacts.co.uk, there are 16 individual lenders who have upped their mortgage rates in the last few weeks, and more are expected to do so in the near future. That means that those who have gotten used to the record low mortgage rates we've...
The Prudential Regulation Authority (PRA) imposed new underwriting standards on the buy-to-let sector from the start of the year. It offered lenders a choice of using an Interest Coverage Rate (ICR), which must stress applicants’ affordability against a notional rate of 5.5% or the use...