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 […]
Mortgages
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 […]
How To Help Your Children Get On the Property Ladder
There are lots of ways to help your children get on the property ladder. Not all involve paying cash. Here are some ideas you could consider. Max out ISAs Under current rules, you can pay into a Junior ISA for your child up until their 18th birthday. You can also open a Cash ISA for […]
How Can You Tell When It’s Time To Sell?
You need somewhere to live your entire life but you don’t need to own a home at all. You certainly don’t need to own any specific home either as your private residence or as an investment. With that in mind, here are some tips on how you can tell when it’s time to sell. They […]
The Current Rules For Buy-To-Let Landlords
Over recent years, the property-investment sector has become much more regulated. What’s more, it’s increasingly common for landlords to be required to prove that they have complied with rules rather than on enforcement agencies to prove that they haven’t. With that in mind, here is a quick guide to the current rules for buy-to-let landlords. […]
Is A Five-Year Fix Playing Too Safe?
The next few years look set to be interesting ones for the UK. On the plus side, COVID19 does seem to be abating. On the minus side, it’s leaving its financial (and social) toll behind. Then there’s Brexit. There’s also a general election in 2024. Against that backdrop, a five-year fixed-rate mortgage can provide welcome […]