Beth Davies - Mortgages

14/01/2022

Looking at affordability is one of the first steps when getting a mortgage!
It lets you know how much you can expect to borrow from a lender.

To find out how much you could borrow, pop your details into our affordability form and we will be in touch with the figures!

Please click the link to complete this form.

13/01/2022

Its never been easier to make a mortgage enquiry!

If you're thinking about getting a mortgage, have any questions or are just curious, you can now contact us through our new enquiry form.

Simply pop your details in, tell us what kind of mortgage you're interested in and we will be in touch to discuss the details.

Please click the link to complete this form.

12/01/2022

The Mortgage Process In 5 Steps

1- Find a Broker 📞

2- Decision in Principle 📃

3- Mortgage Application 🖊

4- Property Valuation 🏠

5- Mortgage Offer ✅

09/01/2022

Thinking of moving now it’s the new year?

Speak to an adviser and take a look at your lending options. You may be able to borrow a little bit more, or even change your current rate and save yourself some money!

07/01/2022

Buying a home for the first time can be nerve-racking.
Some of these tips may be able to help make that process slightly easier!

Lifetime ISAs🏠
If you didn’t manage to get hold of a Help-To-But ISA, Lifetime ISAs are the next best thing.
You can put up to £4,000 a year into this ISA and the state 25% of whatever you’ve saved on top!
You can use it as a deposit for your first home or if you don’t, you can take it for when you retire.

Credit score 📊
Credit score matters when it comes to buying a house. They will need to see that you are financially responsible and capable of repaying!

Deposit💰
The bigger the deposit the better! By having a bigger deposit, it opens up the range of lenders available to use. Therefore, giving you more options of rates and getting the best deal possible.

Check your affordability 💳
You may be able to more than you think. Most lenders will use 4.5x your salary when assessing your affordability for a mortgage. You can affordability calculators on most provider websites which give you a better idea of what they will lend you.

Smaller deposits ⚖️
If you want to buy but only have a small deposit, many lenders have now introduced the Mortgage Guarantee Scheme. The scheme allows 5% deposits as long as you are eligible and is available until the end of 2022.