Mortgage Blog

Welcome to our mortgage blog.
    Loading posts...
  • CheckMyFile.com Review – More than a Credit Score

      CheckMyFile.com have recently launched a brand new TV advert stating that most other credit agencies offer a ‘one-dimensional’ view of your financial position (and they are right). What most people aren’t aware of is that when you are applying for a mortgage or any credit, your credit score is only part of the consideration for acceptance. The…

  • How to Download your Credit Report from Experian

    Here is how to download your Experian credit report as a PDF file: We are often asked how you can print and save your Experian credit report as a document. Here is a step-by-step guide on how to download your Experian credit report from the CreditExpert website. 1. Log into your Experian account or sign…

  • How to Switch Mortgage Rates

    ➡️ Start a Rate Switch Online ➡️ Get a phone call from an Experienced Broker Have you come to the end of a fixed rate with your existing lender? If so, many mortgage lenders will allow you to switch to a better deal. We explain the difference between remortgaging and switching rates and how to…

  • Check My Switch Rate Options with Halifax

    If you are coming to the end of your Halifax fixed rate, or are already on the Halifax standard variable rate, use our rate switch calculator to find your next mortgage rate. We don’t charge a broker fee to switch your mortgage rate and most rate switches with Halifax can be done on the same…

  • When should I get an Agreement in Principle?

     There are many opinions on when you should get an agreement in principle but hopefully, we can shed some expert advice on the process and when you should apply for an agreement in principle.  1. Start by using an Affordability Calculator  When you are starting out with a property search either as a First Time…

  • How to deal with lenders pulling their mortgage rates.

    If you were in the process of applying for a mortgage you might just have been stung by a very rare event. Multiple mortgage lenders pulling their headline rates at once, leaving many buyers having to recalculate their finances. The last time an event like this happened was at the start of lockdown. It is…

  • Should I move to a new fixed rate deal early?

    The Bank of England raised interest rates to 2.25% yesterday. With the new interest rate announcement (and the fear that as the months go on interest rates could go much higher), some homeowners are asking the question of whether it would be better to move their current fixed mortgage to a new deal before things…

  • Interest rates rise to 1%. Will Interest Rates Keep Rising?

    Today the Bank of England increased interest rates to 1%, an interest rate not seen since 5th February 2009. With the energy crunch and Covid shutting down key manufacturing and production facilities in China, we can safely predict that the era of low-interest rates has now officially come to an end, and indeed there is…

  • How to Switch to a New Mortgage Deal with Natwest

    How to Switch to a New Mortgage Deal with Natwest Switching your mortgage deal with Natwest has never been easier, it can all be carried out digitally. We don’t charge a fee and we can look up new deals with your account number and advise you on the most suitable options. Natwest provide a tool…

  • Return of 95% Mortgages – Accord

    Accord Mortgages have announced the return to 95% mortgage lending. Great news as Accord are one of the first lenders to announce a return to 95 per cent mortgage lending outside of the government guarantee scheme. Their 95% product will launch as a 5 year fixed rate mortgage. It was thought that the government mortgage…