What I Wish Every First Time Buyer Knew Before Speaking To A Lender
The very first step into buying your first home can feel overwhelming. As an Essex based mortgage advisor, most people I speak to jump straight in by asking about rates. I understand why, to many first time buyers it can feel like the most important part. But after helping loads of first time buyers over […]
4 Things Lenders Do Not Want To See On Your Bank Statements
When you apply for a mortgage, lenders do not just look at your income and credit score. They also take a close look at your bank statements to see how you actually manage your money. For a lot of people, this part feels a bit uncomfortable. It is normal to worry about whether that one […]
How Much Can You Borrow on Your First Mortgage?
If you’re a first time buyer it can be difficult to work out exactly how much a lender will let you borrow. Every bank has its own rules, its own first time buyer affordability system, and its own way of looking at your income and spending. My name is Ian Smith, and I’m a whole […]
BANK STATEMENTS, AND WHAT A LENDER WANTS TO SEE
Preparing your bank statements for a mortgage application.
SETTING UP A LIMITED COMPANY, FOR BUY TO LETS
Understand the Limited Company route, and if it is right for you?
A GUIDE TO BUYING PROPERTY AT AUCTION
Some free tips and pointers if you are considering buying a property at auction. Spend a few minutes to understand some of the major considerations.
GETTING A PROPER HOMEBUYERS REPORT
The difference between a basic mortgage valuation, and a RICS 2 & RICS 3 report.
GIFTED DEPOSITS
How family gifted deposits are a major factor for todays ‘First Time Buyers’.