Broker Benefits

Why use a mortgage broker?

I'm often asked why use a mortgage broker when I can go online or talk to my bank? In this week's blog, I explain why a good mortgage adviser is more than simply finding the best mortgage for you. It...

Broker only mortgage deals

Before I talk about broker-only mortgage deals, some news on our fundraising. While many of you were tucked up snuggly in bed this morning, 4 of us ran the Vitality Half Marathon across London. Very well done for Nick Plappert...

Deadline day for UK Property market

The bi-annual football transfer windows always make for interesting viewing, especially the ‘Deadline day’ action. For once in the mortgage broker world, we have had something equally exciting in the UK Property market. With the Chancellor announcing the extension of...

Limited Company Buy to Let mortgage

With the tax treatment of rental properties set to be punitive for the foreseeable future, more and more clients are turning to buying (or converting) investment properties via a Limited Company - a Limited Company Buy to Let. This has...

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...

With Lockdown 2 can I move home?

Here we go, the seemingly inevitable 'second wave', which has led to a semi lockdown from the 5th November (thank God there is childcare/schooling this time...). Rather than setting off fireworks, it has dampened things down considerably, but we have...

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...

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...

Remortgage | how much is my house worth?

When you're looking to remortgage, here's why its important to ask how much is my house worth? There are two fundamental things that influence the rate you are offered on a remortgage these days: Your income The value of your...

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...

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 recovery continues

Last week we saw the most positive updates from lenders since lock-down as the market recovery continues. Many lenders returning to the market with increased offerings around how they can conduct surveys, raising their LTV restrictions (meaning it is now...

Free Wills for our clients

It has been playing on my mind how we can do more to help our clients, and indeed new clients, during this period, my solution, free wills. Free Wills Therefore, last week I picked up with one of our contacts...

What does it mean by remortgaging?

Remortgaging is simply the process of switching from one mortgage lender to another. Typically this is done just before your current deal expires. More and more lenders are trying harder to keep their customers so your existing provider will often...

Deja Vu … lack of human connection

Lack of human connection. Last week had a strangely familiar feel, but not in a good way. Three things that struck me were: A Ruthless Tory cabinet re-shuffle. RBS Re-brand to NatWest. Yet another person directly linked to Love Island...

The cost of free legal work

When you are looking at arranging your next remortgage, it is often a given that you will use the lenders ‘Free Legal’ service. As long as you kick off the process in good time, that will be the best option...

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....

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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