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Ever increasing rent prices

The average rent price increased by 8.7% throughout the UK on an annual basis in March, shows new data from HomeLet. This gives an average rent price of £1,078 per month – a 0.8% increase on February. Excluding London, the yearly rise comes to 7.4% and the average rent bill to £910 a month. On […]

Zero-hour contract mortgages

A zero-hour contract mortgage is a home loan specifically for those who don’t have a full-time contract of employment but do have a zero-hour contract. Getting a mortgage on a zero-hour contract can be tricky depending on your situation, as many mortgage lenders require more stable income to approve applications. But the good news is […]

Top 5 Tips for First Time Buyers

First Time Buyers Mortgages

For the final article in our series aimed at helping First Time Buyers, we offer the top five tips when looking to buy your first home A bigger deposit means the best rates Whilst it is possible to put a minimum of a 5% deposit down on your first house, if you are able to […]

First-time buyer boom

First Time Buyers Mortgages

Stats recently released by the Halifax, state that there were more than 400,000 people buying their first home in 2021, up 35% from the previous year. That rate dropped by 13% in 2020, when the number of Halifax buyers was about 300,000. A stamp duty holiday that started in 2020 saw house buyers rush to […]

First Time Buyers

First Time Buyers

It’s a contradiction for many aspiring first-time buyers that what they’d pay in mortgage repayments is often less than their monthly rent, yet it remains difficult to get onto the property ladder. It’s not as if the desire to own a property is not there. In fact, 49% of 18-34 year olds surveyed said that […]

Mortgages & Self Employment

Self Employed Mortgages

How do you go about getting a mortgage when you’re self-employed? ⁣When you apply for a mortgage, you are considered to be self-employed if you have more than a 20% share of the business from which you get your main income. Being self-employed can mean different things for different people, you could be a director […]

How much deposit do I need to buy a house?

New Mortgages

Obtaining a mortgage and buying your first home can be quite a daunting experience but how much do you need to save up for a deposit to buy a house? House deposits are usually between five and 20 percent of the cost of the property, which for first time buyers can be an unprecedented amount […]

The Road To Recovery

The easing of restrictions and the roll-out of vaccines, means there’s more to feel positive about and that extends to the property sector. Understandably, the last year or so has been particularly difficult, yet throughout this period both the property and mortgage sectors have been open for business. And the ongoing environment of low interest […]

End of Stamp Duty Holiday

The stamp duty holiday deadline on March 31 is fast approaching and subsequently buyers who want to take advantage may well have missed their opportunity to get their sale competed in time. The huge demand brought about by the ‘holiday’ has slightly backfired. The sheer volume of buyers and sellers means that delays are endemic and many […]

Mortgage Predictions for 2021

2020 was certainly a year to forget – with mortgage deals disappearing and millions of us having to take out payment holidays in the wake of the COVID-19 outbreak, not to mention the vast numbers of homeowners who suddenly found themselves on furlough. The outlook for 2021 will largely depend on what happens with the […]