Some of these articles might be useful. Others might just pass the time while your kettle boils. Either way, if you read one of my financial type articles just don’t rely on advice from a bloke with a blog — speak to someone qualified (ideally with insurance… and a desk). Yes, I am qualified for some things, but you can't sue me or get compensation.
December 1, 2023
As we continue into 2023 with high energy costs expected to be a headline throughout the year, Energy Performance Certificates tend to be largely ignored by most homeowners in my experience. With changes in legislation coming along they are more important than ever.
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December 17, 2023
The Mortgage Credit Directive (MCD) has an effect in the UK but do you know why and what it is? This guide will give you a basic understanding of what MCD is and how it affects the property market in the UK.
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March 1, 2024
Are interest only mortgages still available and are they a sensible option for borrowers? The media's attention to interest-only mortgages in recent years would suggest not. They are still available and may be suitable depending on borrower circumstances.
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March 16, 2022
Mortgage prisoner is a term heard more often these days, what does it mean? Simply put it refers to those borrowers who cannot due to either current lender restrictions or affordability requirements switch to a different product or lender for a better deal.
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April 3, 2022
Mortgage Affordability can be a complex area. Since 2014 changes in the way affordability is assessed by lenders must take many elements into account. This can often go against borrowers either in terms of how much they could borrow or if they can borrow at all. This Mortgage affordability guide should help understand the process.
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March 10, 2024
Whilst discussing the budget recently, a friend mentioned that despite getting a decent salary increase due to the high inflation period we have been going through, he is paying more tax than expected and losing out on an allowance. Ah, I said. Fiscal Drag!
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