What the financial, property & mortgage themes of 2021 mean for 2022

Well, what a year that was… financial, property & mortgage themes of 2021. I could talk for hours about events of this year, and if you are after a very funny and yet scathing review of the year Frankie Boyle’s New World Order would be a great place to look. Granted he is not everyone’s cup of […]

Big hits in the mortgage world

We’ve seen some big hits in the mortgage world this week so here’s an update from your favourite London Mortgage Broker. Booming Numbers Last week saw some really big numbers so I felt it was worth exploring that in more detail: Average House Prices Rise 11.8% Figures from the ONS and Land Registry confirmed that the […]

Annoying the French, house prices & net mortgage borrowing

Before we get onto house prices and how net mortgage borrowing has more than doubled…more on annoying the French. Perhaps this reflects badly on me, but there seems to be something deeply satisfying having a spat with the French. Don’t get me wrong, I was an ardent remainer and I still think Brexit was an […]

Why use a mortgage broker?

I’m often asked why use a mortgage broker when I can go online or talk to my bank? In this week’s blog, I explain why a good mortgage adviser is more than simply finding the best mortgage for you. It was very nice having a few days of late summer last week. Even more so, […]

Whirlwind week in the mortgage and property world

I hope everyone has recovered from the jubilation of Saturday night! I have 2 daughters, and I had to explain to my elder one, who is 8, that it isn’t normally like this! She has grown up at a time of the England football team getting to the Semi’s of the last 2 major tournaments […]

3 C’s of mortgage lending | Lesson 3 Collateral

Following on from my last blog, Commitment, on the 3 C’s of mortgage lending this last instalment focuses on mortgage lending Collateral. I learned my mortgage principles ‘old school’ as my very first full time job out of college was at Cheltenham & Gloucester in Holborn in1999. This is relevant as mortgage applications back then were […]

3 C’s of mortgage lending | Lesson 2 Commitment

Following on from my last blog, Capacity, on the 3 C’s of mortgage lending this second instalment focuses on mortgage lending commitment. I learned my mortgage principles ‘old school’ as my very first full time job out of college was at Cheltenham & Gloucester in Holborn in1999. This is relevant as mortgage applications back then […]

The core principles of lending

So, we are here, the insides of pubs opening, having a meal out within a permanent structure and even being able to hug one another. Is this going to be a summer of love, the likes of which we haven’t seen since 1967? I certainly hope so. As ever, a lot going on in the […]

Beating the Stamp Duty holiday deadline

With the extended Stamp Duty holiday deadline fast approaching, if you want to benefit from the large discount on offer until 30th June (no Stamp Duty to pay for the first £500k of the property value, which equals a £15k discount on properties valued £500k +), you will need to move quickly. There is a […]

40 Year Fixed Rate Mortgage

As we start to ebb out of lockdown with schools re-opening, making bookings for pub gardens from the 12th April (and willing to sit outside no matter the weather) and with the very brave of us booking holidays for later in the year 🤞, things are starting to feel a little more ‘normal’, plus a […]