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Moving home? A look at mortgage assessment

Following new rules introduced in 2014, getting a mortgage is now harder and tougher than ever before. You will need to go through a thorough mortgage assessment process with your chosen mortgage lender- so if you are thinking of taking out a mortgage this year here are a few pointers to help you understand the process. Mortgage lenders must assess what level of monthly payments you can afford, so they carr ...

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Having a baby and moving home

Having a baby is a big step especially when you are also looking to move or buy your first home. If you are looking to extend your family and take out a mortgage here are some financial considerations to bear in mind. Child Benefit  Child benefit is no longer available to all families, if either you or your partner earns more than £50,000 you might not be eligible for some or all of the benefit. Child benef ...

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A quick guide to buying your first home

Buying your first home can be a daunting prospect, it’s likely to be the biggest purchase you will ever make – and for first time buyers it can seem scary. If you are looking to buy your first home then here are the 12 key stages – from getting a mortgage to getting your keys! 1. Firstly you need to talk to a mortgage advisor to find out whether you can get a mortgage (including a Help to Buy Mortgage) and ...

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Choosing the right mortgage for you

First-time buyer?  For first-time buyers, choosing a mortgage may seem like a confusing process. Which is the best first-time buyer mortgage to go for? How much can you borrow? What deposit will you need? With so many questions, when you are buying your first home, the most important thing you can do is to seek professional advice. Buying a house will be one of the most important purchases you'll ever make. ...

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Can you really afford your mortgage?

Before falling head over heels in love with your dream home, take a reality check and ask the most important question of all. Can you really afford the monthly repayments on a mortgage for this property? A home is the largest investment most of us will ever make, so seriously engage brain and calculator before whipping out a paint colour chart. Under new rules issued by the FCA, your mortgage lender has a r ...

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