The Biggest Mistakes I See When People Try To Remortgage On Their Own
A lot of people try to handle a remortgage on their own because, on the surface, it looks simple. Your deal ends, you compare a few rates online, and you move on. That is completely understandable. Most people want to save time and avoid involving yet another person in the process. But over the years, […]
Don’t Ruin Your Mortgage Chances
If you are planning to apply for a mortgage in the next six months, the decisions you make now can impact whether your application is approved, delayed or restricted. Many buyers assume mortgage problems only arise at the point of application. In reality, most issues are caused much earlier. Small oversights with savings, credit cards […]
How Income Protection Keeps Families Financially Secure
How many households insure their pet without a second thought, yet leave the people who pay for everything completely unprotected? In many homes, the dog or cat is insured, the car is insured, the home is insured, but the income that keeps the household running is not. Your income pays for the mortgage, food, energy […]
Should You Remortgage or Take a Product Transfer
What Is A Remortgage When your fixed mortgage rate comes to an end, many homeowners find themselves asking the same question: should I remortgage or take a product transfer? It is a decision that can have a real impact on your monthly payments, long-term costs and flexibility, yet it is often made without fully understanding […]
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 […]
How To Avoid Delays When Applying for a Mortgage
Delays in mortgage applications usually come from missing documents, unclear information, or waiting for third parties. The good news is that most of these setbacks can be avoided with the right preparation. This is exactly where a broker like me becomes invaluable, as trying to manage the process alone can be very challenging. Having a […]
8 Things To Do When You Move Home
Moving day is exciting, but it can also feel a bit chaotic. You have boxes everywhere, people asking you where things go and a list of jobs you know you should do, but have not quite written down. To make life easier, here are eight simple things to do when you move into your new […]
How to Improve Your Credit Score Before Applying for a Mortgage
When you start thinking about getting a mortgage, your credit score becomes much more important than most people realise. A stronger score gives you access to more lenders, better interest rates, and a smoother approval process. It can also increase the amount you can borrow, which is particularly helpful for first-time buyers trying to reach […]
When to Remortgage Your Home
Wondering when to remortgage? Clarity Mortgage’s Ian Smith shares some key signs that it might be time to switch, including rising rates, releasing equity, and securing better deals.
WHAT DOES A MORTGAGE ADVISOR ACTUALLY DO?
Thinking about buying a home is exciting, but let’s be honest, the mortgage side of things often looks like a scary place! From working out how much you can borrow to comparing deals and battling through endless paperwork, it’s no wonder people feel overwhelmed. But that’s where I come in. You might be wondering: “So, […]