All things considered, it’s hardly a surprise that mortgage affordability is becoming a growing concern. Some of the factors behind it are largely outside the control of private individuals. Even so, there are still plenty of steps individuals can take to ensure that they get and manage the mortgage they need. Here are some points […]
Mortgage
Borrowing Is On The Rise
The early days of COVID19 were a time of saving, at least for some. The early days of post-COVID19, by contrast, are increasingly a time of borrowing. With that in mind, here are some tips on how to borrow astutely. Keep on top of your credit record If you need to borrow then you need […]
Goodbye Ground Rent
The concept of ground rent has been around since at least Roman times. It has always been a somewhat contentious topic. All that’s really varied is the level of contention. Scotland effectively put an end to it in 2004. In England and Wales, by contrast, its use (and abuse) has continued to grow. Now, however, […]
Are You Really Read To Invest In The Property Market?
Buying an investment property is very different from buying your own home. Your own home is a place for you to live. An investment property is a business that should make you money. It is, however, down to you to run that business properly. Here are some points to consider before you decide whether or […]
What You Need To Know About Green Mortgages
Green mortgages are mortgages that are only made available to people buying homes that meet certain sustainability criteria. These mortgages generally offer more attractive rates than comparable regular mortgages. Here is a quick guide to what you need to know about them. Qualifying for a green mortgage Each lender sets its own criteria. As a […]
How much mortgage can you have?
Currently, the only hard-and-fast rule on the size of mortgages is that your mortgage has to be affordable to you. It’s down to each lender to determine how they interpret that. Specific policies can and do vary. There are, however, some general points that tend to remain consistently valid. Here is a quick guide to […]