April 1, 2025
Do all mortgage lenders use the same affordability assessment?
Do mortgage lenders all use the same mortgage affordability assessment? This is a question from someone who was recently refused a mortgage by a lender.
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March 17, 2025
When is the right time to switch to a new mortgage rate?
When is the right time to switch rates on a mortgage? That is the question that I have had by email. Unfortunately, there is no really simple answer, but you can decide what's best for you at any point in time.
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October 25, 2024
Pay mortgage or top up pension?
A question recently received poses an interesting quandary about whether to use bonus payments to reduce a mortgage or top up a pension.
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April 20, 2024
Why do mortgage lenders refuse to lend?
Sometimes lenders refuse to lend, and they don't have to. But then it's useful to know why and what you can to find out why.
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February 26, 2024
Will my benefits count towards income for a mortgage?
A question I have received previously asks whether benefits can count towards mortgage affordability calculations. The simple answer is yes, they can; the long answer is below.
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February 15, 2024
Rejected due to credit search, lender refuses to explain why
A visitor recently had a mortgage declined due to the results of a credit search; she was confused as agencies searched showed nothing, and the lender refused to share any information.
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