Mortgages in a Covid World How has the Mortgage market been affected by the Covid-19 Pandemic? Lenders are now increasing the Loan to Value ratios on their lending Although not common, with some research, it is possible to find lenders who are beginning to relax their mortgage lending criteria. Some are willing to offer a […]
Sunderland Housing Market Update With the housing market still open during lockdown, how busy is it currently? It seems that people spending more time indoors has led to more focus being concentrated on deciding what they want out of their property and what is important to them. This has resulted in quite a lot of […]
Buy Before You Sell Mortgage Options When you find your dream home and need to buy it before you sell your existing home, to avoid missing out, there are three mortgage products you could use to facilitate this. These options include: A Let to Buy mortgage Buying a second property and keeping the existing property […]
Commercial Finance – CS Financial We are going to take a look at what commercial finance is, the role of an industry specialist, the different products on offer and the type of advice we can give to our customers in order to receive the best deal. What is a whole of market and independent whole […]
The Mortgage Market – Your Guide To 2021 We are going to take a look at the current mortgage market, including stamp duty, house prices, and an overview of what 2021 might have in store for us. How do you feel 2021 has started? It’s such a breath of fresh air that we’re now into […]
Business Protection – Your Guide We are going back to basics with business protection and having an in-depth discussion on what this is, how it works, and why it seems to be an overlooked area within the financial sector. Why do you think business protection is overlooked? There are so many elements to it, so […]
The Home Moving Process – A Customer’s Experience As the listeners wanted to hear from somebody who had experienced the whole home buying journey recently, our guest, Shanine, from York, is going to answer some questions about her experience. Getting the keys to their new home? Shanine and Dan got the keys to their new […]
Mortgage Brokers: Local to Newcastle What Does A Mortgage Broker Do? A Mortgage Broker has expert knowledge of the whole of the mortgage market. They put this expertise to use by helping people like you get set up on a mortgage deal. A Mortgage Broker can help you save time, effort and potential disappointment by […]
Bad Credit Mortgages A common question a lot of people want the answer to when they’re applying for a mortgage is “Can I get a mortgage with bad credit?”. Your credit rating is used by mortgage lenders to assess your affordability and essentially gauge whether you are a reliable borrower. Therefore, it’s no surprise having […]
Self-Build Mortgages Self-build mortgages are becoming increasingly popular due to the interest in people wanting to rebuild a home or buy land and build their dream property on it. What is a self-build mortgage? If you are planning to build your own home, then a standard residential mortgage will not be sufficient. You will need […]
Remortgaging – Your Guide to What You Need to Know Today we will be talking about Remortgaging with Lisa Harrison. Lisa has been working as a Mortgage Adviser since she was in her late teens and been within the industry for 23 years. She has worked in Banks and Buildings societies and run her own […]
Everything Wills – What you need to know Jayne Kelly is a recently qualified Mortgage and Protection Adviser working for CS Mortgages and has been a will writer for many years. She is taking time out of her busy schedule to chat to us about everything Wills. What is a Will? Quite simply a will […]
Since it was launched in 2013, the popular Help to Buy scheme has enabled almost 170,000 households to buy homes; who may not otherwise have been able to. An extension to the successful scheme was announced in the Autumn 2018 budget, now making it available until 2023 for first time buyers only ‘to ensure future […]
What does average look like? Information released by the Office for National Statistics shows the average British man, Mr Average, is 38, will live to 85 and earns £31,103. The average British woman, Ms Average, is 40, will live to 88 and earns £25,308. The LV= risk reality calculator gives you a rough idea of […]
Winter is coming, and with winter comes unexpected weather patterns and more time spent in the home. Both can lead to an increase in accidents, and accidents for you or children can lead to time off work or loss of income. Outside risks It’s not only the obvious factors of slips, trips and falls and […]
Do you aspire to own a new-build home? Are you looking to move home, but lack sufficient funds to afford the repayments on a low-deposit mortgage? You may find it easier to join, or move up the property ladder, thanks to the government-backed Help to Buy scheme. There are several schemes currently: Shared Ownership This […]
Getting fed up of everyone coming around to yours for Christmas? Or are you rattling round a large house because your kids have grown up and flown the nest? Or perhaps you’ve found a lovely little property in a part of the country you’ve always wanted to live? Whatever your reason for downsizing we’ve got […]
In July 2015, Mark received a call from someone telling him his house in County Durham was in flames and that a team of firefighters were currently at the scene. He hung up – first, not quite believing what he’d heard was true – it must be a work colleague playing a prank! But when […]
The government launched its Help to Buy equity loan in April 2013 and since then 210,964 properties have been bought under the scheme. First-time buyers and people moving to a new-build home worth up to £600,000 have benefited from the scheme, which provides an equity loan of up to 20% of the cost of the […]
You might believe you’d be more likely to call on your income protection policy later in your working life, but data from protection insurer, The Exeter, show their average claimant was 40, and on certain products, just 33. Income protection is designed to pay an income if you’re unable to work as a result of […]
If you want to help make sure your loved ones will have financial security if you pass away, life insurance cover is the answer. But, if you’re part of a couple and you both need cover, should you take out single policies, or a joint policy that covers both of you? With a single life […]
Nobody knows what is around the corner. Accidents can and do happen and the most commonly reported household claim in 2018 was for Accidental Damage. It’s therefore wise to check what is included in your insurance policy to help protect the valuable items in your home. Standard contents insurance usually protects you if you have […]
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