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Mortgages

Jump Into a Mortgage – But Keep Your Eyes Peeled for Those Start-Up Fees!

A mortgage isn’t just a loan between you and the lender. It’s someone believing in your dream of owning a home. As much as we’d like to be “by the numbers” around here, we have to admit that we have a soft spot for mortgages. They allow us to achieve our dreams. However, if we

Mortgages

Are you a ‘Mortgage Misfit’?

If you’re thinking about moving house or have recently moved, you’ve probably heard of the Mortgage Market Review, which came in last April. It meant that new affordability criteria could make it harder for some people to get a mortgage when their existing deal comes to an end, resulting in them getting stuck on their

Mortgages

A Look at the Drawdown Lifetime Mortgage

Looking at options for making retirement sweet is on everyone’s mind — even if you’re not retirement age yet, chances are pretty good that you’re going to want to take a step back and review your options. If you’ve already paid off your home or you’re coming to that point, you have a lot more

Mortgages

Top tips for getting a mortgage for pensioners

Following the introduction of the Mortgage Market Review (MMR) some lenders have introduced new age restrictions for their mortgage lending. If you are looking for a mortgage for over 60s or a mortgage for over 50s then you will probably find out that your choices are more limited than compared to a couple of years

Mortgages

Weighing the Consequences of Selling your Endowment

Mortgage endowments are pretty hot right now — they’re basically an investment that’s supposed to let you not only pay off your home loan but also give you a little cash to celebrate with. Now that’s an investment we can definitely get behind. Unfortunately, if the fund doesn’t do well then you could be left

Financial tips

Make a claim for the money paid to a mis-sold PPI

What you have heard around was right. The bank possibly owes you a great deal of money this time as a result of the recent discovery that Payment Protection Insurance was sold in scheming and fraudulent ways to gain profit from their customers. This only means that you don’t need to shrug your shoulders off

Financial tips

How to get the Best Deal When Searching for a Loan

It seems that you can no longer log onto the internet, turn on the TV or listen to the radio without seeing or hearing an advertisement for a loan. In these tough economic times where money is tight, it can be very tempting to take up these invitations. As tempting as it may seem, jumping

Mortgages

A Silver Lining – Mortgage Rates Are Expected to Fall Quite a Bit

We just commented on the sharp rise in mortgage arrangement fees, but what about those mortgage rates? Rates have been at the top of everyone homebuyer’s mind as they try to break into the property ladder. Does that mean that your dream of owning your own home just isn’t going to happen? That’s not the

Mortgages

Getting the Best Mortgage Life Insurance Prices

When you take out a mortgage the lender will insist that you have life insurance. This will cover their investment if anything happens to you. So if you die, the insurance will pay off the remaining balance of the loan and so the house will be paid off. This insurance can add up to quite

Mortgages

What are Enhanced Lifetime Mortgages?

Enhanced Lifetime Mortgages fall within the category of equity release mortgages for people in or nearing retirement. Like standard equity release lifetime mortgages, the purpose of the mortgage is to release equity from the owners property which they can use to finance their retirement or other necessary or desirable requirements. What makes Enhanced Lifetime Mortgages