4th December 2023

Have Interest Rates Peaked and What’s Happening With The Property Market?

Written by Sam Murphy
Posted in Base Rate, First Time Buyers, Homebuying Process, Mortgages, Personal Finance, Property, Remortgaging, Self Employed, The Economy

In the last few weeks we’ve seen many mortgage lenders reduce rates on their fixed rate products, with reports of a ‘rate war’ between the… Read More

2nd November 2023

How to borrow more on your mortgage when you’re in a fixed rate

Written by Sam Murphy
Posted in First Time Buyers, Homebuying Process, Mortgages, Personal Finance, Property, Remortgaging, Self Employed

Across the UK many homeowners find themselves wanting to take additional borrowing on their mortgage for purposes such as home improvement, debt consolidation or gifting… Read More

26th October 2023

Will AI replace your human mortgage adviser?

Written by Sam Murphy
Posted in About Us, Buy-to-Let, First Time Buyers, Mortgages, Property, Self Employed

You can’t have failed to hear all the buzz about Artificial Intelligence (AI) this year, in particular language models such as ChatGPT. So we are… Read More

15th September 2023

How much can I borrow on a mortgage?

Written by Sam Murphy
Posted in First Time Buyers, Homebuying Process, Mortgages, Personal Finance, Property, Remortgaging, Self Employed

If you’re hoping to buy your first property or move home, the first question you will likely think is ‘How much can I borrow… Read More

3rd August 2023

Should I take my mortgage over a longer term?

Written by Sam Murphy
Posted in First Time Buyers, Mortgages, Personal Finance, Property, Remortgaging, Retirement, Self Employed

As inflation soars and people struggle with higher living costs, many are having to make tough financial choices to make ends meet and progress in… Read More

7th June 2023

Should you be wary of 100% mortgages?

Written by Sam Murphy
Posted in First Time Buyers, Homebuying Process, Markets, Mortgages, Property, Self Employed, The Economy

Skipton Building Society recently hit the headlines after announcing that it was offering a deposit-free mortgage, aimed at first-time buyers currently living in rented accommodation. Read More

30th May 2023

What are the Costs of Moving for a First Time Buyer?

Written by Sam Murphy
Posted in First Time Buyers, Homebuying Process, Mortgages, Property, Self Employed

When buying a property, as well as your deposit there are costs you will need to take into account and budget for.  It’s a really… Read More

9th May 2023

Skipton’s new 100% mortgage – who is eligible and how does it work?

Written by Sam Murphy
Posted in First Time Buyers, Homebuying Process, Mortgages, Property, Self Employed

The Skipton Building Society has made headlines today by launching a new 100% mortgage – the first true scheme since the financial crisis in 2008. Read More

30th March 2023

What is a mortgage agreement in principle (AIP)?

Written by Sam Murphy
Posted in First Time Buyers, Homebuying Process, Mortgages, Property, Self Employed

If you want to make an offer on a property through an estate agent, you will probably be asked for a mortgage agreement in principle. … Read More

13th March 2023

Do I need an Accountant to get a Mortgage?

Written by Sam Murphy
Posted in Accountancy, Buy-to-Let, First Time Buyers, Homebuying Process, Mortgages, Personal Finance, Property, Self Employed, Small Business

Whilst an accountant can bring a lot to your business, it is not always essential to have one. You might assume that if you’ve set… Read More