How to Save Money on Your Mortgage as the Cost of Living Continues For most people, their mortgage payment is their highest monthly outgoing. Learning ways to manage your mortgage can save you…
Arrears Reach 12 Year High – Worried? Take Your Time and Review Your Options The pandemic opened new opportunities and altered how we live our lives, but not without testing every sector and…
To Bridge or Not to Bridge? Let to Buy Might Be the Answer Over the last few years, bridging finance has evolved from a niche borrowing option into a mainstream solution for many homeowners. The…
Should a Down Valuation Be Seen as a Negative or a Reflection of the Current Market Value? A down valuation has long been considered a frustrating obstacle in property transactions, but should it be…
Remote, from home Remote, from home Benefits: Work from home (plus optional use of the John Charcol offices) You set your own working hours Lead support with a competitive commission split The…
The FPC Misses Open Goal to Reflect Mortgage Product Changes Since 2014 The FPC has announced the abolition of its requirement for lenders to use a 3% margin to stress test mortgages with an initial…
Does Gambling Affect a Mortgage Application in the UK? Want to know whether gambling affects a mortgage application? Find out how it’s viewed by lenders in the UK, how lenders define gambling and…
What’s Next for the Housing Market? Capital Economics have recently published a report on how new, higher, interest rate forecasts mean that they now expect house prices to fall marginally in 2023…
The Financial Policy Committee’s Mortgage Stress Test Consultation Most lenders and brokers consider that the Financial Policy Committee’s (FPC) stress test and flow limit test have survived well…
The Effect (or Lack of It) of the NI Increase on Mortgage Affordability The increased National Insurance rates applying from this week have focused interest on what impact this will have on mortgage…
