Receive a free 25% savings bonus towards your first home
Saving a deposit to buy a home can take a long time, but there are ways you can speed up the process. One of those is to use an Individual Savings Account (ISA) that’s designed for homebuyers so that you can receive a free 25% bonus from the government.
Financial impact of the pandemic and support available to stay in your home
With the coronavirus pandemic affecting not just the nation’s health but our incomes, many people are concerned about how they’ll keep up with monthly costs like rent and mortgage payments. Whether you’re a homeowner or renter, we have some information that may help.
Buy-to-let property investments can still be an attractive investment but you need to understand exactly what’s involved, remember making a profit isn’t guaranteed. The buy-to-let sector is also amidst a period of considerable change and controversy, with many new regulations, tax changes and legislative reforms to consider.
How to give your mortgage application the best chance of success
High street lenders tend not to offer mortgages to the self-employed, contractors and freelancers without considerable paperwork and delay, so finding the right mortgage lender for your circumstances can be daunting.
How to buy a home despite having a poor credit history
Don’t be disheartened if you have been turned away by high street banks and lenders. It may be possible to get a mortgage with bad credit, although you’ll probably pay higher interest rates and you may need to come up with a larger deposit.
Which is the best type of property survey for you?
After you’ve made an offer on your new property, but before you’ve signed the contracts, it is usually advisable to appoint a qualified surveyor to look at it and identify any major repairs or alterations needed. There are various survey options available with different levels of detail.
Advantages and disadvantages of making overpayments
Overpaying on your mortgage can cut down the time it takes for you to repay the loan, and therefore the amount of interest you pay in total. If you’re beyond an introductory deal and are paying your lender’s standard variable rate (SVR), you can usually overpay by as much as you want.
Life Financial Solutions is a trading style of Rosemount Financial Solutions Ltd who is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited who are authorised and regulated by the Financial Conduct Authority. Quilter Financial Services Limited and of Quilter Mortgage Planning Limited are entered on the FCA Register (http://www.fca.org.uk/register) under reference 440703 and 440718.
Rosemount Financial Solutions Limited. Registered in England & Wales no. 5676603. Registered Address: Rosemount House, 2-4 Chequers Road, Basingstoke, RG21 7PU.
Call us now: 020 8236 8540