Hot Topics

How Do I Prove My Income?: When you apply for a mortgage you will normally have to provide proof of income. However, there are mortgages available, called Self-Certified mortgages, where this is not necessary.
Company Directors: Are you a company director and looking for a mortgage, or remortgage to refinance your home? Our mortgage partners can arrange a mortgage for directors and the self employed, even those with less that two years accounts & low profits.
What Happens If I Want To Move Home?: Moving home is basically the same as moving into your first home, in mortgage terms. You are free to find yourself another mortgage with either your existing lender or another lender – and can shop around for the best deal on the market.
What are Self Certification Mortgages?: When you apply for a mortgage, the lender will require from you proof that you will be able to maintain the mortgage payments, and do not present a risk of non-payment for the large amount of money you are borrowing.
What is Adverse Credit?: If a borrower has a history of poor credit usage then this is described as Adverse Credit, Sub Prime or just simply, Bad Credit. Poor Credit history can include County Court Judgements (CCJ's), Bankruptcy, Mortgage arrears or any late payments on credit cards, credit arrangements etc.

What If I Die Before My Mortgage Is Paid Off?

If you die before your mortgage has been repaid, your estate will face the cost of paying back the outstanding balance. The mortgage will not be written off by the lender, it will have to be paid by the next of kin.

Your family are most likely to be your next of kin, and therefore they will have to meet the repayments. To protect them from this possibility you need to take out a form of Life Insurance, either Mortgage Life Insurance or Life Insurance, so the mortgage is paid off in full in the event of your death.

These policies will also pay off the outstanding loan balance if you are diagnosed with a terminal illness from which you would be expected to die within the following 12 months.

It’s essential that you take out cover for all eventualities – so in addition you should consider a mortgage payment protection insurance policy, which will cover your monthly repayments if you fall sick, are made redundant, or have an accident that keeps you from working.

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