Understanding conditional selling and your rights
Following the BBC’s recent explosive undercover investigation, new research reveals 80% of UK property buyers now face pressure to use estate agent services. The ...
Unencumbered Mortgages: How to Borrow Against a Home You Own Outright
An unencumbered mortgage is a new mortgage on a home that has no loans secured against it. It isn’t a special product: you apply ...
Do I Need Critical Illness Insurance for My Mortgage?
You’re buying a home or remortgaging, and suddenly everyone’s talking about critical illness insurance. Your lender mentions it, your broker suggests it, and you’re ...
What’s the Difference Between a Secured and Unsecured Loan?
The difference between a secured and unsecured loan is what the lender can claim if you stop paying. A secured loan is tied to ...
How Does a Secured Loan Work?
TL;DR: A secured loan lets you borrow money using the equity in your home as security. It sits separately from your existing mortgage as ...
When Do You Need an EPC?
You’re about to sell or rent your property, and someone’s mentioned you need an EPC. Why do you need an Energy Performance Certificate and ...
When Should You Get Life Insurance?
You know you probably need life insurance, but you keep putting it off. Maybe you think you’re too young, or perhaps you’re worried you’ve ...
How Does Life Insurance Work: A Complete Guide
Life insurance ranks among those topics most people know they should understand but somehow never get around to researching properly. Most of us put ...
What is decreasing life insurance and do you need it?
Decreasing term life insurance is a policy where the payout falls over time, usually in line with the balance on a repayment mortgage. If ...
Can You Have More Than One Life Insurance Policy?
Your mortgage has grown, your family’s expanded, yet your life insurance hasn’t kept pace. The gap between what you owe and what you’re covered ...
Getting a Mortgage with Complex Income
Many people seeking mortgages don’t fit neatly into the “standard employed” box. Perhaps you’re self-employed, work on contracts, receive commission, or have multiple income ...
Why Do You Need a Deposit For a Mortgage?
Securing a mortgage means meeting one fundamental requirement that affects everyone – the mortgage deposit. With UK house prices remaining high and the cost ...
What Happens to Your Mortgage When You Sell Your House
Selling your home while still paying off a mortgage brings up a lot of practical questions. These are common concerns for many homeowners looking ...
Do Mortgage Lenders Use Your Gross or Net Income?
Figuring out how much you can borrow for a mortgage can feel like solving a puzzle with missing pieces. One of the biggest questions ...
Getting a Mortgage While on Probation
You’ve found your perfect home, but there’s a catch – you’ve just started a new job and you’re still in your probationary period. Many ...
