Mortgages for Older People: Your Options After 55
You’ve probably heard someone say “banks won’t lend to people your age” or perhaps you’ve experienced a high street lender turning you down because ...
Can I Use Crypto for a House Deposit?
Mortgage lenders have been, and still are, cautious about cryptocurrency, creating obstacles for some property buyers. The volatile nature of crypto assets and concerns ...
Fixed vs Variable Rate Mortgages
Choosing between a fixed or variable rate mortgage is one of the biggest financial decisions you’ll make. It affects not just your monthly payments ...
How do mortgage companies value a house?
Applying for a mortgage often brings a mixture of excitement and anxiety. While you’re looking forward to securing your dream home, you might worry ...
Capital Raising to Consolidate Debt
Are you juggling multiple debts with different interest rates, payment dates, and terms? Many homeowners find themselves stressed by managing various credit cards, personal ...
Does Changing Your Job Affect Getting a Mortgage?
Many homebuyers worry that changing jobs when they need a new mortgage will automatically disqualify them from getting approved. This concern leads some people ...
What is Your Credit Utilisation Ratio?
Keep your credit utilisation low. This is the percentage of your credit limit you actually use. For example, if you have a limit of £3000 and you've used £1500 of it, your credit utilisation is 50%. A lower percentage is usually seen in a positive light and should help your score go up. To help improve your Experian Credit Score, try to keep your credit utilisation at 25%.
Credit Score Gone Down? Here’s What You Need to Know
Finding out your credit score has dropped can feel like a shock, especially if you’re planning to apply for a mortgage or loan. Many ...
A Guide to Fixing Mistakes on Your Credit Report
Finding mistakes in your credit report can feel like a setback, especially when you’re planning to apply for a mortgage or loan. Many UK ...
Understanding Your Statutory Credit Report
Getting ready to apply for a mortgage or loan? You’ll want to know what lenders see when they check your credit. That’s where statutory ...
Checkmyfile Explained
Understanding your credit report can feel like trying to solve a puzzle with pieces from different boxes. Each credit reference agency seems to speak ...
What Lenders Want To See On Your Credit Report
Getting a mortgage means letting lenders look at your credit report. Many people worry about what these lenders might find, and whether past money ...
Moving Home with a Mortgage? Here’s What You Need to Know
Moving house while managing a mortgage ranks among life’s bigger financial decisions. Whether you’re looking to upsize, downsize, or just change location, understanding what ...
Can You Get a Mortgage to Buy Someone Out?
Sometimes relationships change and you need to take sole ownership of a property. Whether you’re separating from a partner, changing a business arrangement, or ...
How Long Do You Need to Be in a Job to Get a Mortgage?
Are you putting off applying for a mortgage because you’re new to your job? Getting a mortgage isn’t just about meeting a fixed employment ...
