100% Mortgage Lending Back!

Before I get onto 100% mortgage lending I just want to give my take on the Pandora Papers. For anyone familiar with the Greek Myth of Pandora’s Box, it is actually a way more complex tale than simply regretting finding out what is in forbidden places. Look up Stephen’s Fry’s excellent book (which is amazingly […]

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, […]

Mortgages with smaller deposits, mortgage rates and larger loans

This week I discuss mortgages with smaller deposits, mortgage rates hitting new lows, and larger loans available from mainstream lenders. For most of us with children, this is the first full week back with a semblance of normality! For those without children, a great chance to get away without being surrounded by kids and not […]

Broker only mortgage deals

Before I talk about broker-only mortgage deals, some news on our fundraising. While many of you were tucked up snuggly in bed this morning, 4 of us ran the Vitality Half Marathon across London. Very well done for Nick Plappert getting the fastest time of 1:43. I managed a personal PB of 1:51 and Paul […]

Mortgage rates continue to fall

It seems that every time I say ‘mortgage rates can’t get much lower’, mortgage rates continue to fall. It was another bumper weekend of sport to keep us all entertained. Probably a good thing as half the UK seems to be isolating at present during this ‘Pingdemic’ stage of the pandemic… A truly pulsating Lions […]

Can you remortgage to make home improvements?

We are often asked by clients if is it possible to remortgage to make home improvements. The simple answer is yes, it’s possible and quite common, but the complex answer is that there are a range of things to consider when you are thinking of a remortgage to make home improvements. Do you have sufficient […]

3 C’s of mortgage lending | Lesson 1 Capacity

My very first full time job out of college, was at Cheltenham & Gloucester, in 1999, based on the cross road on High Holborn, WC1 (now the TSB branch on the same spot, as C&G was swallowed up by LloydsTSB, and then LloydsTSB split up to Lloyds and TSB years later). This is relevant as […]

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 […]

Mortgages for Limited Company Directors

When you come to get a mortgage and you are a company director, you may not realise that different rules apply to mortgages for Limited Company Directors. So here, we outline what the challenges are, what up/down sides, and what to look out for in a lender. Also, and just for clarity, this is if […]

Sub 1% mortgage rates for remortgages

A big week in the mortgage world with lenders really starting to sharpen their pencils with sub 1% mortgage rates, more on that below. It must have been an insane week if you are a hairdresser or beautician! Many people must have been out enjoying the pubs re-opening as on Wednesday when I was in […]