Navigating the festive season financially: A guide to refraining from debt and boosting your credit score The holiday season – a time for joy, celebration ,and unfortunately, sometimes feeling pressured to overspend. It’s easy to get caught up in the magic of Christmas, but the financial hangover come January is far from enchanting. This alongside … Continue reading Navigating the festive season financially: A guide to refraining from debt and boosting your credit score →

The Mortgage Charter: Your Lifeline in Tough Times In the ever-evolving landscape of homeownership, financial uncertainties can sometimes cast shadows on our dreams. However, there’s a guiding light – the Mortgage Charter. It’s a beacon of hope, offering vital support and assistance to those facing mortgage-related challenges.   What is the Mortgage Charter? The Mortgage … Continue reading The Mortgage Charter: Your Lifeline in Tough Times →

A Deep Dive into 100% Mortgages: What You Need to Know The dream of homeownership is a significant goal for many, but for some, saving up for that all-important down payment can feel like an insurmountable hurdle. This is where 100% mortgages may work for some. In this blog post, we’ll explore what 100% mortgages … Continue reading A Deep Dive into 100% Mortgages: What You Need to Know →

Remortgaging vs Equity Release Remortgaging and equity release are two ways of accessing the equity in your home. Remortgaging involves taking out a new mortgage on your home and negotiating a deal with your current mortgage provider, which will be subject to additional fees and changes to your monthly repayments. Meanwhile equity release involves taking … Continue reading Remortgaging vs Equity Release →

What is the difference between contents, home and buildings insurance? Contents insurance, building insurance and home insurance are all types of insurance policies designed to protect homeowners. However, they each cover different aspects of your property. Contents and buildings insurance policies can be take out separately, however home insurance cover is a combined package of … Continue reading What is the difference between contents, home and buildings insurance? →

Interest rate news – the latest increase by Bank of England The latest interest rates rise has seen an increase from 5% to 5.25% from the Bank of England, the 14th consecutive increase from the institute. Now at their highest point in 15 years, our latest blog post provides insight in to the predictions made … Continue reading Interest rate news – the latest increase by Bank of England →

Banks offer help to mortgage holders Following the latest rate rise that saw interest rates hit 5% on June 22 2023, bank bosses met with Chancellor Jeremy Hunt. Rates went up last month to try and tackle inflation which remains unchanged from the previous month at 8.7% As a result of the meeting, banks have … Continue reading Banks offer help to mortgage holders →

Interest Rates and Your Finances Following the May rise in interest rates to 4.5%, many people are now wondering what that means for their mortgages. Lenders regularly review the interest rates of their mortgage products, adjusting the deals available to those looking to buy their first home or remortgage their existing property. The Bank of … Continue reading Interest Rates and Your Finances – what does the rise mean for you? →

How Does Conveyancing Work? If you’re looking to buy or sell a property, it’s important to understand that the conveyancing process in Scotland has some unique elements that differ from the process in other parts of the UK. Conveyancing is the legal process of transferring ownership of a property from one person to another. It … Continue reading How Does Conveyancing Work? →

Confidence Returns to the Property Market The high property prices and the sharp rise in prices from 2021 to 2022 weren’t sustainable. With rising mortgage rates over the last 18 months, we expect a natural tip towards a more stable and realistic property market. We hope that as the market stabilises, many buyers will be … Continue reading Confidence Returns to the Property Market →

Understanding Your Energy Performance Certificate (EPC)  Over the last 18 months, we have seen our energy bills more than double. Following the pandemic and subsequent economic restrictions, life has returned to normal. As a result, demand for gas started to increase at a time when there was a shortage forcing prices to rise. This was … Continue reading Understanding Your Energy Performance Certificate (EPC) →

On 15 December, it was announced the interest rates would rise by 0.5% to 3.5%; this is the highest level since 2008 and the ninth time that the Monetary Policy Committee (MPC) has increased the bank rate to tackle rising inflation. In the UK today, there are around 850,000 people with a tracker mortgage and … Continue reading Are Mortgage Rates Coming Down? →