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.
Read article >
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
Read article >
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.
Read article >
March 21, 2021
2nd Charge Affordability Assessment, odd!
Who should assess your affordability when borrowing against your property and it is from a different lender to your main mortgage? Will it be your original lender or the one you are borrowing from?
Read article >
April 19, 2021
BTL for Parents refused by the lender
Suppose you buy a property and want to allow your parents or other family members to live in it? Sounds simple and it is unless you need a mortgage on the property. Lenders are not keen on family members being tenants.
Read article >
May 3, 2021
How much debt will a lender accept for a Mortgage?
When applying for a mortgage the affordability assessment every lender will carry out will be affected by the level of other debt you have. How much debt is too much?
Read article >