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Mortgage Advice Guides
Here are a few useful mortgage service guides, they cover subjects such as; buy-to-let mortgages, mortgages for first-time buyers, financial protection and mortgages for self-employed and business owners. If we can help you with any of these issues covered please get in touch and talk to one of our independent mortgage advisers on 0800 612 8099.
8 things to check when you’re selecting a protection product
Have you taken out a financial protection product? It’s a step that can help improve your resilience and give you peace of mind.
Whilst you may think financial protection isn’t needed, many circumstances are outside of your control and could have an impact. If you were to become ill or involved in an accident, would you still be able to keep up with financial commitments? If you could, how long for? Financial protection can give you some security in these types of situations.
However, it’s not as straightforward as taking out the first financial protection policy you come across. You must ensure it’s the right product for you.
First-time buyer guide
If you are buying your first home, it’s completely normal to be both terrified and excited at the same time. It can be a long journey too, taking on average between six weeks and eight months (Source: Money Saving Expert), from viewing a property to moving in.
Add on the time it takes to get ready to dive into the process, as well as all the things left to do once you are given the keys and you could be looking at over a year’s worth of work and patience.
For most people though it’s worth the effort.
We are here to help. This guide will walk you through each stage of the home buying process, with pointers, tips and advice along the way. We will ensure that you are fully prepared and able to get the most rewarding experience as a first-time buyer.
Guide to financial protection
If your household lost its main source of income without warning, would you still be able to pay the mortgage?
An income shock occurs when a household loses a main source of income without warning. This could be temporary, through illness or injury, or permanent, such as in the case of long-term disability or sudden death.
Mortgages for the self-employed and business owners
If you work for yourself, or run your own business, getting accepted for a mortgage can be tricky. Our guide, which is free to read or download, explains:
- The steps you should take to prove to mortgage lenders what you earn
- How to find out how much you can borrow
- Five ways to improve your chances of getting a mortgage
First-time Buyers Glossary
When you are new to buying a property, it can feel a little daunting and there are often lots of new terms that you need to get your head around as you move through the buying process.
As well as our first-time buyers guide above, we have also put together a glossary of terms to help you learn and understand some of the language used in the industry, which we hope will help to make things a lot clearer and less stressful.
You can also contact our team anytime if you have any queries regarding any of the stages of the buying process.
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