How Do I Choose a Good Mortgage Broker?
A good mortgage broker can help you find the most suitable deal based on your specific situation. They have specialist knowledge and software that enables them to choose a mortgage deal more confidently than you’d be able to by yourself. This includes a deep understanding of each lender’s criteria, which helps ensure that you only […]
Should I Remortgage in 2023?
Exactly what will happen with the mortgage market in 2023 remains to be seen, but hundreds of thousands of UK homeowners will likely be looking to remortgage at some point in the year. This guide will help you decide if you should remortgage in 2023, but it’s a good idea to let us know your […]
What is a Tracker Mortgage and Should I Get One?
A tracker mortgage is a type of variable mortgage where your monthly repayments can vary. However, it is different to a Standard Variable Rate (SVR) mortgage, as we’ll explain later. Whether you should get a tracker mortgage or a fixed-rate mortgage depends on what you (or your mortgage broker) think will happen to mortgage rates […]
New Stamp Duty Rates Explained – How Much Could You Save? (2022)
The Chancellor has announced a temporary cut to Stamp Duty between the 23rd September 2022 and the 31st March 2025. The threshold before you start paying tax has increased from £125,000 to £250,000. For First Time Buyers, it’s increased from £300,000 to £425,000 providing the property is worth no more than £625,000. Whether you’re looking […]
Michael Usher Celebrates 35 Years in the Property Industry!
This month, Michael Usher (the main man himself), celebrates an impressive 35 years in the property industry. In October 1987, during the week of some of the worst storms on record, Michael was coincidentally gearing up to take Berkshire and Hampshire’s property industry by storm! From that week in 1987 through to September 1991, Michael […]
What Life Insurance Should I Get?
Life Insurance policies pay out if the policyholder dies or gets diagnosed with a terminal illness with less than 12 months to live. You can get a single policy for one person or, if you have a partner or spouse, it may be more cost-effective to take out a joint policy that pays out if […]
Do I Need Life Insurance?
Life Insurance, otherwise known as Life Cover, is designed to protect families from financial difficulties caused by a loss of income due to death. If one of the working adults in your family were to die, would you still be able to afford the mortgage? What about other living expenses and debts? Do you have […]
How Can I Save Money on My Mortgage?
With the cost of living and interest rates on the rise, you may be looking for ways to cut your monthly expenses. As mortgage payments are likely to make up a large part of your outgoings, remortgaging to a better deal could save you money – sometimes thousands of pounds a year. However, remortgaging isn’t […]
How Can I Save Money on My Energy Bills?
As the cost of energy is rising it may be a good time to look at ways to reduce your bills. Making your home more efficient is also good for the environment, and as new building regulations are considered to help fight the climate crisis, making eco-friendly decisions now could help to future-proof your property. […]
Can Remortgaging Damage My Credit Score?
Most homeowners remortgage at the end of their fixed-rate period to prevent being moved onto their lender’s higher Standard Variable Rate (SVR)*. But despite the common benefits of remortgaging, some homeowners fail to act, often resulting in them paying thousands more in interest than they need to. One of the reasons homeowners don’t remortgage is […]
