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.
July 9, 2022
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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October 8, 2022
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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February 15, 2023
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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August 9, 2023
What are the downsides of being a co-borrower on a mortgage with you child. Is it advisable? That's a question posed by a visitor who understands the obvious risks but wanted another opinion.
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November 25, 2023
A question from a visitor on whether or not applying for a BTL will require an affordability test or not. In most cases it should not but there are exceptions.
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February 15, 2024
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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