Category: Mortgages

Check Your Credit File Before a Mortgage: Before applying for a mortgage, check your credit file with the main UK credit reference agencies. Look for

First-Time Buyer Deposit Guide: A first-time buyer deposit is more than money saved. It is the part of the purchase that shows the lender how

Product Transfer or Remortgage: What Is the Difference? A product transfer means switching to a new mortgage deal with your current lender. A remortgage usually means

What if I Cannot Sell My Home Before Moving? If you cannot sell your home before moving, you may still have options. These can include

Mortgage Application Documents You May Need: A mortgage application is built on evidence.  A lender wants to know what you earn, what you spend, and

When Should You Review Your Remortgage Options? You should usually review your remortgage options several months before your current deal ends. This gives you time

Mortgage With Credit File Problems: You may still be able to get a mortgage if your credit file shows problems. The outcome depends on the

Can I Remortgage If I Am Self-Employed?  A remortgage can be straightforward for some homeowners. For self-employed applicants, it often needs more preparation. The reason

Do Debts Affect How Much Mortgage You Can Borrow?  Debt does not always prevent someone from obtaining a mortgage. However, it can change how much

What Do Mortgage Lenders Check for Affordability? A mortgage lender is not only deciding how much it could lend. It must also consider whether the proposed