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How can I get a second home mortgage?

Written by Sam Jones on Wednesday, 24 June 2015 08:00.

We are delighted to see so many Britons buying second homes for holidays, work or perhaps their retirement.

These are homes not used as rental properties but for those who have enough spare capital to purchase a second property of their own.

What happens to my mortgage when I get divorced?

Written by Sam Jones on Wednesday, 24 June 2015 08:00.


The two biggest reasons that people are cannot afford to pay their mortgage are unemployment and divorce.


Losing your job is an obvious one. If you stop getting the monthly salary that you agreed with the lender when taking out the deal then it figures you won’t be able to make repayments.

Mortgage market bounces back in April

Written by Sam Jones on Tuesday, 23 June 2015 08:00.

We are pleased to see the mortgage market bouncing back to life after a subdued start to the year which is great news for borrowers.

In February mortgage lenders dished out £13bn worth of mortgages, which sounds like a lot, but it was down 9% on the previous February according to Council of Mortgage Lenders figures.

What would a Brexit mean expat mortgage borrowers?

Written by Sam Jones on Wednesday, 10 June 2015 08:00.

We have many clients who live abroad but own houses in the UK or want to invest in the British property market.

Many are Brits abroad [perhaps working in financial centres such as Hong Kong, Singapore or New York. Others may be retired living in France, Spain or Italy in the continent.

Older borrowers win victory in landmark mortgage case

Written by Sam Jones on Wednesday, 03 June 2015 08:00.

We are delighted to see mortgage lenders being forced to change their lending criteria when discriminating on age.

In recent years a number of lenders have started to cut back on lending into retirement and setting maximum ages for mortgages as low as 65.

Interest rates are changing: How does it affect mortgage borrowers?

Written by Sam Jones on Monday, 01 June 2015 08:00.

The Bank of England is road testing a new way of setting interest rates that could have a massive impact on mortgage borrowers in the next few years.

With Bank base rate at rock bottom 0.5% for more than six years we have all forgotten the days when the monthly rate setting was a moment of suspense.

Five key ways a Tory election win affects your mortgage planning

Written by Sam Jones on Friday, 29 May 2015 08:00.

We are delighted the general election is over and the financial and housing markets can return to a degree of certainty.

The election saw different parties competing with visions for the future of Britain on housing and mortgage policies.

London house prices set to fall 3.6% this year

Written by Sam Jones on Wednesday, 27 May 2015 08:00.

Since the financial crash London house prices have boomed significantly and left the rest of the country in its wake.

However, we can report that house prices are set to grow more strongly outside of London for the first time in years, according to a new survey.

Nationwide axes foreign currency mortgages

Written by Sam Jones on Monday, 25 May 2015 08:00.

We are very concerned to learn that Nationwide Building Society is no longer offering new mortgage loans to individuals with income paid in foreign currency.

The shift came into force on April 8 and Nationwide blames new EU mortgage rules that aim to protect mortgage borrowers against exchange rate fluctuations.

How the Budget can help you save for a mortgage

Written by Sam Jones on Friday, 22 May 2015 08:00.

Last month’s Budget had a number of important changes to savings policy in this country that could help improve you’re financial planning.

If you are a first-time buyer then there was a specific policy pledge to offer Government financial support to get on the housing ladder.