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Monday 9am - 8pm Tuesday 9am - 8pm Wednesday 9am - 8pm Thursday 9am - 8pm Friday 9am - 8pm Saturday 9am - 8pm

Mortgage Information Centre LTD

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Mortgage Information Centre LTD

Mortgage Information Centre was established in 1995 and now more than two and a half decades later w

We are independent advisers with access to the whole of the mortgage market and can obtain the best deal for your individual needs and circumstances. From First Time Buyers to Landlords, to re-mortgages and complex cases with adverse credit, we can take the hassle out of your application and help you get the most out of your money.

30/01/2026

In Dec 2025 there was a base rate drop of .25%.

To date very few lender have dropped their fixed rate at all and those who have , have not come close to equalling a 1/4% drop.

It is important to note that a rise or fall in the base rate, as heard in the press, is not necessarily a change to what you may secure in a new mortgage fixed rate.

Rise and fall of fixed rates can happen any time during a giving month and they are all different depending on the borrower IE: first timer, remortgage, or moving to a new fixed rate from an old deal with the same lender (product transfer)

Your mortgage advisor will have all the facts and figures at any given moment and if you are thinking of moving, require your first mortgage or you current fixed rate is coming to a end, it is important that you speak to them.

Call us on 01698 283301 and we can help.

20/01/2026

This week, employment contracts.

Some clients will come to us having just started a new job. Depending on the type of contract, starting a new job may not stop you from getting a mortgage. There a few lenders that will approve a mortgage with only one day of employment.

It must be a permanent contract
The lender will want to review the contract
The larger the employer firm the better
It cannot be a temporary contract
It cannot be a zero hour contract
and
The lender are hesitant if you work for a member of your family.

If you have a 2nd job, the day one employment policy does not apply.

Lenders are becoming more flexible regarding employment so, if you are concerned that your employment may stop you from getting a mortgage why not check it out with one of brokers first.

Give us a call on 01698 283301 and discuss it with one of our qualified brokers.

15/01/2026

This week,

Watch you bowering.

Most have heard about credit scoring but, many do not understand that your credit points can be negatively effected by too much borrowing.

If your credit cards are close to there limits and your borrowing balances (excluding your mortgage) is higher than your income this will lower your credit points.

Not being on the voters roll can also have negative impact.

Moving several times over a short period will lower the points

and

brand new borrowing can have a temporary reduction to the credit points.

If you are considering a mortgage keep account of your spending and consider the above.

If any of the above applies to you speak to a broker on possible repairs or alternate lenders that may be able to help with your mortgage request.

Phone line are now open 01698 283301

11/12/2025

This week: Debit to Income ratio.

Lots of people looking for a mortgage may not know what this means but, the lender is sure to turn you down if you fall foul of it.

Basically, how much borrowing do you have in relation to your annual income.

For example: £45k salary per year and balances of £10k on credit cards, £15k on a personal loan and a HP balance on you car of £20k means 100% debit to income ratio and this is NOT good.

Out of ALL the main stream lenders out there, only one would consider a mortgage for you.

What most will have to do, in my example, is payoff the credit card and maybe the personal loan in order to achieve a mortgage. Tuff to do when you need a 5% to 10% deposit minimum for the new house.

It is important to have credit but, it must be managed.

WATCH OUT FOR HP LOANS: Loving that brand new Range Rover, BMW or Merc with the toothy salesman saying "It only cost £550.00 per month with a down payment of £550.00.

That £55k car you just bought means your debit to income could be over 100% and your chance of getting a mortgage with a main stream lender a big fat ZERO.

Remember your mortgage broker can determine if you will get a mortgage with a decision in principal.

Think of moving or buying a new home contact us on 01698283301

17/11/2025

TIP OF THE WEEK.
You find a large house for cheep money.
Have you found the bargain of the century or the next MIGRAIN?

Read the Home Report. If the property is of non-traditional CONTRUCTION a lender may not give you a mortgage on it.

Be extra careful if the non-traditional house states that finance is available.

Yes, some of the large lenders will accept some of the non-traditional property but, what happens if the market takes a turn for the worst and you are ready to sell?

Non-traditional property that only Halifax or Santander will grant a mortgage on, will not make your sale easy if your only buyer has there mortgage secured will a smaller lender and they will not lend.

You can hope that a buyer will have a mortgage in place that will accept your non-traditional property however, if the market is poor having limited buyers will make selling your house harder compared to someone with a traditional contracted house. Less buyers means a lower price, a longer time on the market or sometimes both.

Remember, in the property game there is NO FREE LUNCH. Cheep property in a booming market means the something barriered in the wood pile.

Speak to us today. We read the home report as part of processing of your mortgage application and, will advise you regarding the lend ability of the house you want to buy.

12/11/2025

This will be the start of "YOUR WEEKLY TIP"

This weeks tip.

If you are looking at properties, even in a very casual manner, rest assured you will find the house of your dreams.

DON'T BE BEHIND THE EIGHT BALL

Make sure you have spoken to your broker about a mortgage first.

There is nothing worst than seeing your ideal home, falling in love with it at the viewing and, then going for a mortgage only to be told that you have not been accepted because of some very minor credit problem that happen 2 years ago. This could take a broker a week or more to sort out and in the mean time that wonderful house you viewed has be sold to someone else.

Be clever and get your DECISION IN PRINCIPAL in place 1st.

Call us on 01698 283301 and we would be more than happy to put that decision in principal in place today so, you can buy 2mower

09/09/2021

Are you a first time buyer feeling a bit lost on where to start when buying a house? The amazing team at Mortgage Information Centre LTD will make buying your first home feel stress free.

Pop in-store for a chat, visit their page, or call 01698 283301 to get the information you need to move forward.

08/09/2021

SEPTEMBER SPECIAL 🎉

FEE FREE re-mortgage advice the whole month of September!

Get in touch to see if we can:

☑️ Save you money on your monthly mortgage payments
☑️ Consolidate some of your high interest debts

01698 283 301 📲 or drop us a message ⬇️

01/09/2021

Hi all 😀 If you have been happy with our service, please consider leaving us a rating or review ⭐️

Feedback is really helpful to both us and new visitors to our page.

Thanks in advance!

14/08/2021

Come see us at the Hamilton Market for your chance to win a Garmin activity tracker ⌚️ & have all your mortgage queries answered!

30/07/2021

Thanks to everyone who got in touch with us this month, if you are due a free bottle of wine we will be in touch in due course 🍷

And for anyone who missed out, keep your eyes peeled as we have an offer you do not want to miss this August! 👀🎁

20/07/2021

Get in touch with us for the chance to bag a free bottle of wine the whole month of July!

*Must have DIP submitted before 01/08/2021

Address

52 Quarry Street
Hamilton
ML37AU

Opening Hours

Monday	9am - 8pm
Tuesday	9am - 8pm
Wednesday	9am - 8pm
Thursday	9am - 8pm
Friday	9am - 8pm
Saturday	9am - 8pm

Telephone

+441698283301

Website

http://www.mortgageinformationcentre.co.uk/

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