February 15, 2023
Is Critical Illness insurance worth it?
Is Critical Illness worth it? That is a question I have received. Not such an easy question to answer as it really depends on the individual and their needs.
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October 8, 2022
Can't afford to repay interest only mortgage
For many who purchased a house with an interest-only mortgage, particularly those that did so many years ago, in fact up to 25 years ago the time may have arrived when the mortgage is due to be repaid. That is exactly what is approaching for one visitor to the site who is going to be unable to repay and have the desired outcome that was originally promised.
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July 9, 2022
Will removing the affordability stress test help me?
I have been getting a few questions all with the same theme around the removal of the affordability stress test. Understandably many are still confused as to what it actually means for them when it comes to applying for a mortgage and what the impact or indeed benefits are.
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April 23, 2022
Is buying a home worth it?
A question from a young man in Inverness contemplating one of the biggest decisions he will face. Should he buy a house? Will he be able to afford it with all the rising costs and so on? These are good questions to be asked and always best asked before actually going ahead.
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January 15, 2022
Can't get a BTL without providing personal income
A question received on Buy To Let, the visitor has been struggling to get a BTL mortgage with lenders insisting that he provides proof of his own income and outgoings, why?
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July 9, 2021
Purchasing under Market Value
Purchasing a property under market value does not mean a lender will allow you to use the market value when it comes to LTV. That is what one visitor found out when they thought a bargain home had been found. There are other aspects to purchasing property under market value.
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