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 […]
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 […]
Can You Get a Mortgage With Bad Credit in Essex? Yes! And Here’s How
If you have bad credit, it is easy to assume that getting a mortgage is out of reach. The good news is that it’s often far more possible than people think. Many clients come to me after being told no by their bank, only to discover that there are lenders who will look at their […]
What Is a Mortgage Product Transfer and How Does It Work?
As a mortgage advisor I’m often asked about product transfers, and whether they are the right option. Put simply, a product transfer is when you stay with your current lender, but move onto a new mortgage deal. It’s important to get this right, as it gives you the chance to secure the best rate without […]
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.
THE DIFFERENCE BETWEEN A REMORTGAGE, AND A PRODUCT TRANSFER
Always choose a new product and avoid dropping onto a new sky high SVR rate. Contact me to see what is possible.
BANK STATEMENTS, AND WHAT A LENDER WANTS TO SEE
Preparing your bank statements for a mortgage application.
SECOND CHARGE MORTGAGES, AKA SECURED LOANS
Understand second charge mortgages, and if they are right for you?
HOW OVER-PAYMENTS CAN SAVE YOU A FORTUNE
Mortgage tip: Would you like to save yourself £35,000 ??