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22nd September 2009
If you are in the process of buying a home you might feel a bit overwhelmed, especially if you are a first time home buyer. When the time comes to apply for a mortgage the decision is hard because there are so many lenders, mortgage quotes differ, and ho... Read >
Author: AmandaCluett16th September 2009
Interest rates are low and are expected to remain low for the next year. House prices are low. Here we look at whether buying rental property is a good idea and if you are keen, then what you need to look for.
Interest rates are the lowest they ever ... Read >
Author: Wheres My Property20th February 2009
The phrase “economic downturn” is touching the lives of more and more people every week. Families who were oblivious to the downturn 12 months ago now have to face the grim reality of financial crisis.
After being used to years of not worrying too... Read >
Author: michael challiner08th February 2009
So you looked for months and months and one day you discovered your dream home. Next step, how do I pay for this wonderful home?
Before trotting over to the local bank or mortgage company, there could be some things you need to know. There are some t... Read >
Author: realestatecary08th December 2008
Fixed rate mortgage rate quotes can be obtained within 24 hours when you apply online at the many lending websites. Before asking for fixed rate mortgage rate quotes, you need to know just what kind of loan terms you want. If you want a 15 year fixed rate... Read >
Author: Jimmy Chuang01st December 2008
Here is a question for you.......
Have you ever walked into an estate agents when looking at buying a house and been jumped upon with the question “What are you doing about your mortgage?”This gets mentioned to you even before they have asked what ... Read >
28th August 2008
You need to enlist a bad credit mortgage broker who can work with you to get you well on the road to long-term financial success and into your own home. These specialists understand bad credit, and they know what needs to be done to restore your financial... Read >
Author: Sadhana22nd August 2008
A year ago (nearly to the day, 9th August) the credit crunch started to tighten the purse strings of the British public. Rates rapidly increased on loans and mortgages as lenders tried to reduce the risk of customers failing to meet their repayments.
S... Read >
Author: Karl Bantleman29th May 2008
With the global credit crunch hitting the headlines day after day, if you are searching for a mortgage a new landscape has developed.
With the withdrawal of 100% mortgages in the UK, and some lenders actually ceasing to take on new mortgage business, i... Read >
Author: Alan Hall28th April 2008
If you are planning to take out a UK mortgage, you should also plan what insurance protection you need as well. There is a bewildering array of insurance policies that are out in the market. This can be quite confusing for the first time buyer. Here is... Read >
Author: Paul Elms03rd April 2008
The time had come for me to remortgage my house, and I had heard that a flexible tracker mortgage could be just what I needed because of my fluctuating income. The last time I had bought a mortgage, I was a plumber working for a plumbing company, and ther... Read >
Author: Sabine Bower03rd April 2008
Being a home owner can be frustrating at times. You may reach a point where your finances require that you find a mortgage. This opens an entirely different challenge to you. Where do you go for your mortgage? Whose advice do you trust? Totally Money... Read >
Author: Axia Villa03rd April 2008
If you feel as though your financial situation would benefit from a mortgage, you may find yourself confused trying to figure out which mortgage would best fit your needs. Totally Money is your one stop spot for finding and comparing various types of mor... Read >
Author: Axia Villa26th February 2008
Even if you have had financial problems in the past or if you are self employed it is always worth contacting a mortgage broker who specialises in non status mortgages and re-mortgages.
An independent mortgage broker has access to mainstream and speci... Read >
Author: sam lowe28th January 2008
Offset mortgage providers are increasing in number, and it is predicted that offset mortgages will account for 30% of all UK secured lending by 2009.
What are offset mortgages?
Offset mortgages allow homeowners to link the balance on a savings and ... Read >
Author: Bobbie Carle11th October 2007
If you are looking for a mortgage for your home you may find that there are dozens of mortgage lenders to choose from. The days of being forced to apply for a mortgage from one of only a small selection of high-street banks has been firmly relegated to th... Read >
Author: michael sterios25th September 2007
Whether you are looking to purchase or remortgage a property it is important to receive expert mortgage advice from a qualified independent mortgage adviser before signing on the dotted line.The mortgage market has evolved beyond several large lenders off... Read >
Author: michael sterios03rd August 2007
If you find you have been turned down for a mortgage it may have come as a shock. Or maybe it wasn�t a shock, as you were aware you had had some credit problems in the past. But either way, you will probably feel humiliated and embarrassed.
If you ... Read >
Author: Robert Palmer03rd August 2007
Nowadays, applying for a mortgage is a fairly everyday experience.
A decade or so ago it was different. Many people regarded it with fear and trembling. You made an appointment with your Building Society manager, dressed in your smart clothes, and sa... Read >
Author: Robert Palmer02nd August 2007
You may be looking for a mortgage and have decided to use a mortgage broker, rather than just going to the bank. This is a sound idea.
But the next question is � how do you choose a mortgage broker? Do you just pick one at random from the Yellow Pa... Read >
Author: Robert Palmer01st August 2007
A County Court Judgement is an order by the courts for a creditor to repay an amount owing to a debtor. County Court Judgements, or CCJs, affect people’s credit files and will normally require the applicant to abandon standard mortgages and instead appl... Read >
Author: michael sterios30th July 2007
There are all sorts of reasons for buying a second home. The potential has never been more exciting.
If you have decided to go down this route, your first decision is how you are going to finance your purchase. Unless you have large cash reserves or ... Read >
Author: Robert Palmer30th July 2007
You have made the decision to take the plunge and go for a second home. But you are going to need a mortgage. How do you go about finding one?
The first requirement is to find someone who really knows the situation and understands the special require... Read >
Author: Robert Palmer26th July 2007
Mortgage payments are the largest expense in a typical UK household. It therefore makes sense to ensure that you are getting the best deal possible on your mortgage which means that you should remortgage your home if necessary.
If you are paying intere... Read >
Author: michael sterios24th July 2007
There once was a time when loyalty was rewarded. However times have changed and loyalty to your mortgage lender no longer seems important.
These days the average mortgage lender seems obsessed with attracting new business while few seem interested in p... Read >
Author: michael sterios24th July 2007
Getting a first time home mortgage loan can be a tricky business but the good news is that the competitive mortgage market welcome first time home buyer mortgage loans and offer incentives and attractive rates for first time buyers looking to join the pro... Read >
Author: joek20th July 2007
The announcement by the Bank of England that the interest base-rate is set to rise to 5.75% will not be well received by millions of homeowners across the country. The number of people with credit card debt and personal loans has never been higher and the... Read >
Author: Chris Gardner05th July 2007
If you have made the decision to buy your first property to rent out, you are probably very excited. You have taken the first step on the road to becoming a �property tycoon�!
The next step is to decide where to get your buy to let mortgage. Do y... Read >
Author: Robert Palmer05th July 2007
If you are a police officer and trying to find your first mortgage, you may find it hard to know what to look for. Here are four questions you need to ask your bank or building society about their mortgage product.
� Can you allow for my type of sal... Read >
Author: Robert Palmer08th June 2007
You have made the decision to take the plunge and go for a second home. But you are going to need a mortgage. How do you go about finding one?
The first requirement is to find someone who really knows the situation and understands the special require... Read >
Author: Robert Palmer04th June 2007
When looking for a mortgage you may be faced with a decision as to whether you should use the services of a mortgage broker instead of applying for a loan directly with a lender.
One of the main reasons why you should use a mortgage broker is that mort... Read >
Author: michael sterios30th May 2007
There are a number of reasons why people may be categorised as having adverse credit, including; CCJ’s, mortgage arrears, loan defaults, or bankruptcy. People who are in such a situation and who wish to buy property will most likely need to apply for ad... Read >
Author: michael sterios15th January 2007
When you sit down to discuss your financing options for the purchase of a property, you can quickly get lost in the verbiage and minutia of finance. Here are some things you need to make sure you address.
First and foremost, it is important to underst... Read >
Author: Dan Lewis04th January 2007
Trying to get an “apples to apples” mortgage rate comparison can often be quite a hassle. Traditionally, there are the face to face meetings with brokers and lenders, the endless combinations of points and fees to sort out, and the element of salesman... Read >
Author: Joel Ohman17th November 2006
CeMAP Online Training Programme
The dream of becoming a high earning UK mortgage adviser or even an independent mortgage broker is literally just a few steps away for the individual who is looking to make a career change or only just deciding on the ca... Read >
Author: Joe Kocsis
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