Our experts cut through the noise to tell you what you need to know
With over 40 years of experience behind us and some of the industry's most quoted experts in our ranks, there's not much we don't know about mortgages.
However, we know our industry is awash with jargon, so our experts aim to keep it simple. Through this blog, social media and our monthly newsletter, experienced mortgage advisers explain the nuances of the mortgage market, how economic factors influence the availability of mortgages and get to the meaning behind regulatory changes.
When looking for a property you will need to know how much you can borrow and how much it will cost both in fees and in monthly payments. Selecting and engaging with an independent mortgage broker will help you budget and prepare for this significant next step. Below are some top tips for those about to embark on their first property purchase journey.
With the bank of mum and dad just around the corner, it’s becoming more common for parents to give a helping hand to get their children on to the property ladder. Both you and your parents need to ensure that you are making this decision based on the best advice there is available.
Purchasing your first home is likely to be both an exciting and daunting experience, and it will probably be one of the biggest financial commitments you make in your lifetime. We have compiled a handy cheat sheet below of any extra fees you can expect as a first time buyer so you can plan your budget accordingly.
Life insurance or life cover is a precaution you can take to financially protect your family in the event of your death. However the benefits of protection do not end there, and life insurance policies can offer a host of additional benefits that you may not currently be aware of.
It’s estimated that there are 1.67 million homeowners in the UK that are currently on an interest-only mortgage.
Tens of thousands of homeowners became accidental landlords in 2017, as homes in the notoriously expensive South East and London struggled to sell leaving their owners no option but to rent them.
It’s the start of a New Year and the time when homeowners will be considering if now is the time to move, improve or just stay put and love the home they’re in...
Barclays has widened its criteria for buy to let mortgages and now accepts applications from first-time buyers and non-owner occupiers.
Our tool, produced by the Office of National Statistics allows you to utilise the latest data looking at property prices per square metre in England and Wales to help you find out what value you could increase the overall value of your home or property by adding additional floor space.
With the implementation of Prudential Regulation Authorities (PRA) Phase 2 recommendations at the end of September, lenders have had to change their underwriting approach towards portfolio landlords (those with four or more buy to let properties). Many lenders are stipulating that a landlord must be able to provide an overview of their property business plan when applying for a mortgage.
The blog postings on this site solely reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them.