The shared ownership sector has gained some real traction recently, with more lenders offering raised LTV criteria on newly built homes. Several big-name lenders now offer 95% LTV shared ownership mortgages on new builds as the market continues to make homes as accessible as possible to prospective first-time buyers. With more lenders recently following suit, … Read more
After the recent government announcement of further help being offered to first-time buyers, we thought it would be a good time to breakdown what the Help to Build Equity Loan scheme is and how it may be able to help you. The scheme aims to offer those who have not been able to buy their … Read more
When it comes to our children, there’s nothing we wouldn’t do to protect them. No one wants to imagine their child falling ill – but it does happen to some and is a situation that is important to be prepared for. Critical Illness Cover (CIC) is an integral part of any protection policy if you … Read more
After a global pandemic forced us all to stay inside, many of us decided to make ‘inside’ a nicer place. During the national lockdown, 61% of homeowners put their skills to the test and tried their hands at some DIY home improvements – resulting in an estimated £21.3 billion increase in the value of homes … Read more
Between 1996 and 2016, the percentage of 25 to 34-year-olds who own their own homes has fallen 19% from 55% to 34%. In a bid to combat this, Prime Minister Boris Johnson has set out plans that include proposals for housing benefit being able to be counted towards a mortgage. The Prime Minister vowed to … Read more
Heat pumps can be an efficient way for you to heat your homes. With the cost-of-living crisis making people across the country more concerned about their energy bills, heat pumps have become increasingly popular. It’s important to consult a certified installer before making a decision, as different types of heat pumps can vary in performance … Read more
This month, the country celebrates Queen Elizabeth II’s 70th year on the throne. The Platinum Jubilee will see thousands up and down the country take to the streets to commemorate our longest reigning monarch reaching such an impressive milestone. Although we’re sure The Queen herself doesn’t really need protection insurance – the jubilee got us … Read more
Recent analysis shows that remortgage applications have risen by more than a quarter between March and April. This is largely down to the multiple base rate rises announced by The Bank of England throughout 2022 and the response from lenders to raise rates accordingly. Many consumers are now looking to ‘lock-in’ the current available rates … Read more
If you’ve ever considered investing in a second property, you may have already thought about holiday lets. With the popularity of staycations on the rise, now could be a great time to look into it. Making some extra cash with the possibility of enjoying the property yourself is an attractive prospect for many. With summer … Read more
Affordability tests are being revised in the wake of the cost-of-living crisis. With house prices still at a high, improving your affordability can help your chances of securing a mortgage. Especially for first time buyers looking to raise a deposit. In this article, we look at some effective ways to improve your affordability. The affordability … Read more