Product Transfer Mortgages Explained
If your current mortgage deal is coming to an end, you may be wondering whether to take a product transfer or look at a remortgage instead. A product transfer means switching to a new deal with your existing lender rather than moving to a different lender. It can be a simple option in some cases, […]
What Counts As Income For A Contractor Mortgage?
If you are applying for a mortgage for contractors, one of the biggest questions is often simple: what income will the lender actually recognise? The confusion is understandable because contractors can be paid in several different ways. Some work on a day rate basis. Others operate through a limited company and pay themselves through dividends. […]
What First-Time Buyers Need to Know
Buying your first home is a big step, and most first-time buyers quickly realise there is more to it than just finding a property they like.
How To Prepare Your Accounts For A Mortgage When Self-Employed
Applying for a mortgage when self-employed can feel more complicated than it should. Many self-employed workers and freelancers earn high incomes, yet still run into problems when lenders try to assess affordability. The challenge is not usually the income itself, but how it is presented. Unlike regular employees with payslips, self-employed and freelance applicants must […]
First-Time Buyer Mortgage Tips
Useful first-time buyer mortgage tips from CW Mortgages, including deposits, credit checks, bank statements, budgeting and avoiding delays.
How I Helped A Landlord Tidy Up Multiple Buy To Let Loans
A landlord came to me feeling that their buy to let mortgages had become difficult to keep on top of. The details are anonymised, but the situation itself is very real and something I regularly see with portfolio landlords across Essex. They owned several properties, each with a different lender, a mix of fixed and […]
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 […]
What A Day Looks Like Helping Portfolio Landlords With Their Mortgages
When I talk about a portfolio landlord, I mean someone who owns several rental properties rather than just one buy to let. It could be three properties, it could be thirty. What they all have in common is that their mortgages need to be looked at together, not in isolation. This blog takes you behind […]
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, […]