The Mortgage Centre - Northants

09/05/2025

https://www.bbc.co.uk/news/articles/cwyqyp7xp12o

The Bank cuts rates for the second time this year, saying the slowdown in inflation was behind the move.

07/05/2025

What Affects Your Mortgage Borrowing Power? 🏠

To secure a mortgage, consider these key factors:

Credit score and history: Shows your money management and bill payment reliability.

Income: Lenders need to know your total earnings.

Outgoings: They'll scrutinize how much of your monthly income you spend.

Improve these areas to boost your borrowing chances. Contact our mortgage advisers to learn more! 📞 01536 443 777 📞

02/05/2025

Is your Mortgage rate ending soon? Call or email us on 01536 443 777 to discuss your options! 📞

28/03/2025

If you’re looking for a suitable deal on your mortgage, that doesn’t necessarily mean the option with the lowest interest rate is the most cost-effective

You also need to think about arrangement fees, cashback offers and more.

To find out more about how we can help find the right mortgage for you, contact us today!

25/03/2025

Mortgage affordability...

Each lender has its own criteria in terms of how much they lend and have different multiples for different cases. It’s all about making sure that the lender’s happy with your affordability.

To discover how much you can borrow call us on 01536 443 777

Send a message to learn more

12/03/2025

Life insurance is protection for you and your family. If the main breadwinner in your family were to get seriously ill or die, this would have a huge financial impact. Life insurance can help give your family peace of mind that if something terrible does occur, they’ll be provided for.

To learn more about the world of protection, contact our experts!

01536 443 777 📞 or send us a message📱

Send a message to learn more

10/03/2025

* Jargon Buster - Porting *

Did you know you may be able to take your current mortgage to your next house?

If your new house is worth more, you can take a further advance (extra borrowing) to pay for the difference needed.
Your ported mortgage would stay on the same rate and the further advance would be on a rate that is available at the time of application.
The other option when moving is to take out a new mortgage with a new lender, which will pay off the existing loan.

Contact us today and we will help make your next move a smooth one 🏠📞 01536 443 777

06/03/2025

What to do when your current rate ends?

One option would be a Product Transfer. It is worth discussing your options with an adviser around 4 months before your current rate is due to end. We do not charge you any fees for advising on and arranging a Product Transfer for you.

Please do get in touch if your rate is ending soon and you would like to review your options!

01536 443 777

04/03/2025

* Jargon Buster - Loan to Value *
It is important to understand your loan to value when considering a purchase or remortgage as this can affect the rates you are able to apply for. Your loan to value will tend to reduce over time with the mortgage balance being repaid and the house price increasing.

27/02/2025

* Simplified Buying Journey for First Time Buyers *

Buying a home can be one of the most stressful things you'll do – however, knowing a rough outline of how the process works will make the ride that bit smoother.

Below is our timeline illustrating what the homebuying process typically involves...

Please get in touch if you want to discuss this further with one of our advisors! 01536 443 777

26/02/2025

* Jargon Buster *

An Agreement in Principle is a helpful indicator of what a mortgage lender might be able to offer using your basic details and credit history. It is important to remember this is not a guaranteed mortgage offer but it is a first check before doing a full mortgage application.