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.
What is an offset mortgage and is it right for you?
Choosing the right type of mortgage can save you thousands of pounds in the long-term. If appropriate to your particulate situation, one of the less common types worth considering is an offset mortgage.
Want to find out how much a mortgage provider is prepared to lend you?
Before applying for a mortgage, and often before making an offer on a property, you may need a mortgage in principle called a Decision in Principle (DIP), an Agreement in Principle (AIP) or a Lending Certificate.
Older borrowers have faced significant challenges in accessing the mortgage market
People are living longer than ever before, and often buying property later in life than previous generations. There are any number of reasons why someone could be seeking a mortgage over the age of 50.
Selecting a mortgage is a difficult decision that you’ll need to think about carefully
Applying for a mortgage can be intimidating, and it sometimes feels like the lender has all the power. To help you feel as confident as possible, we’ve put together this guide to the main different types of mortgages, so you know exactly what you’re looking for.
Higher deposits required as the housing market reopens
Many first-time buyers looking to secure a bargain right now may find they’re disappointed, as on the whole asking prices of all first-time buyer properties up for sale have been holding up. There will of course be some sellers who need to sell quickly and may be willing to negotiate on price so it’s worth asking your local agent if there’s any with this predicament if you do now need to lower your budget.
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.
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