Hot Topics

Do I Need a Guarantor?

If your lender is concerned about your ability to meet your mortgage commitments, they may ask you to provide a Guarantor.

Can I Get a Mortgage With A Group Of Friends?

You are allowed to get a mortgage with up to three friends in the same way that you are allowed to get a mortgage with a partner – an idea that is appealing to more young professionals at the moment.

How Do I Switch Mortgages?

Switching mortgages (remortgaging) has been made very easy by the industry, in reaction to the fact that most people remortgage their homes on a regular basis i.e. every 5 years on average.

Base Rate Tracker Mortgage

A base rate tracker mortgage tracks the Bank Of England’s base interest rate then adds on a additional figure to arrive at the borrowers variable rate. Your monthly mortgage interest payments go up when the base rate goes up and they go down when the base rate goes down. The base rate tracker interest rate is usually between 0.5% and 1.0% above the Bank Of England's Base Rate.

I Have Been Turned Down For A Loan Or Credit Card, Will I Still Be Able To Get A Mortgage?

If you have been turned down for a credit card or loan, then you need to find out why your application was rejected before you apply for a mortgage.