Mortgage

100% Mortgage Lending Back!

Before I get onto 100% mortgage lending I just want to give my take on the Pandora Papers. For anyone familiar with the Greek Myth of Pandora's Box, it is actually a way more complex tale than simply regretting finding...

How do online mortgage valuations work?

As we are into lockdown #54, it is timely to look at the role of the valuation, in particular online mortgage valuations, when looking to obtain the best mortgage rate possible. In a normal situation, you have a mortgage valuer...

What a start to 2021 from a mortgage perspective

As if you thought the world couldn't get any stranger (from a mortgage perspective or otherwise), I understand that the chemically fuelled, Maraca shaking, Bez of Happy Monday's fame is to start a 'Joe Wicks' style fitness class during lockdown... If anything...

How to get a mortgage in Lockdown

With England going into lockdown until at least the 15th February, we wanted to update you on how we can get you a mortgage in Lockdown as the property market still remains open throughout this period. If you are looking...

How much mortgage deposit do you need?

Probably the hottest topic in the mortgage world right now is the impact the level of mortgage deposit you have, has on the availability, and cost of, loans you will be offered. This is an area where a mortgage broker...

House Prices vs Mortgage Lending

No, this isn't the most dull wrestling match up of all time, but instead a look at the rather complex relationship between house prices and how they affect mortgage lending. With house prices shooting up, surely that is a good...

Arranging a large mortgage of £1m+

When looking at arranging a large mortgage, and for the purpose of this blog, we will define a large loan of £1m+, you start to run up against more complex considerations that simply just arranging a mortgage. At this level,...

Mortgage broker in it for the long run

Yesterday's London Marathon served as a perfect allegory for how this year has played out to date. As a mortgage broker we're in it for the long run. Congratulations to our very own Mike Brooker Firstly, huge congratulations to Rose...

Yin and Yang of the mortgage market

Last week was a really interesting week, not just in the mortgage world but life in general, which really got me thinking about that classic Yin-Yang relationship of things, including the Yin and Yang of the mortgage market. Schools are...

The mortgage market heats up

Data released from the Bank of England showed that mortgage approvals doubled in July compared to June! And so as the weather cools, the mortgage market heats up! 66,300 loans were approved which is only just down from the 73,700...

Mortgage criteria tightening

It is no surprise to see lenders starting to tighten the purse strings a little and so see mortgage criteria tightening in specific aspects. There have been a few articles creeping in over the last week or so which shows...

Meltdown at the major mortgage lenders

It wasn't just the weather that went into meltdown last week, its meltdown at the major mortgage lenders too. Most, if not all the major lenders, are now suffering service delays the likes of which I have never seen. Reasons...

Mortgages for Life’s Goals

For the eagle eyed regular readers, you will have noticed that we are sporting a smart new logo! This is going hand in hand with a slight refresh of the website, and a new strap line Mortgages for Life's Goals....

Mortgage expectations post-lockdown

What are your mortgage expectations in the current lending climate? For the first time since 23rd March, I actually had a few days last week with no children in my house, which was utter bliss. I love my daughters very...

Opportunities in this mortgage market?

For the last few weeks the opportunities in this mortgage market has felt a bit like playing 'Whack-A-Mole' as lender criteria changes, interest rates change, and latterly, valuation policies change. But as is always the case, things start to settle...

Market Update

Market Update – Once again, the sweet science served up monster helping of drama at the weekend! (that is the Wilder vs Fury fight in case you were wondering). But what really grabbed me was the post-fight Interview with Tyson...

Mortgage Market Update

Market Update – You would have been living under a rock if you haven’t been caught up a debate that starts with the letter B this week. I have remained relatively tight lipped on the subject to date, mainly as...

Mortgage Market Update

Market Update – We are starting to see some very positive moves by lenders in the last few weeks. Sainsburys have just launched with us (we are just checking if you get a million Nectar points per mortgage!) & NatWest...

Mortgage Market Update

Market Update – The budget looms large later today, but will it be full of tricks or treats? With Theresa May suggesting an end to Austerity it has made it a lot more interesting than I had expected. If I...

Mortgage Market Update

Market Update –  M&A action is back in a big way in the mortgage world! (That is Merger & Acquisition, not the place where you buy your chinos). Last week Virgin Money was acquired by CYBG, the parent company that...

European Mortgage Credit Directive

The upcoming MCD (for short), which comes into effect from the 21st March could have a significant impact. As the name would suggest, this is a European wide change so that all EU members disclose mortgage agreements in the same format....

Increase in Stamp Duty

This has been quite well documented, but as of 1st April this year, the Government are introducing a 3% increase to Stamp Duty on house purchases where this is not your main residence. So this will impact any purchase of...

Should you wish to speak to one of our mortage brokers or protection advisers, Click Here and you will find everyone’s contact details.

Your property may be repossessed if you do not keep up repayments on your mortgage.

This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.

Rose Capital Partners Limited is an appointed representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Conduct Authority.


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