"Homes"

efore searching for your new home, it's important to determine your monthly mortgage budget. Review your monthly bank statement to understand your incoming and outgoing finances and

A mortgage is a type of loan specifically designed to assist you in purchasing a property. To obtain a mortgage, you typically must provide a down payment of at least 5% of the property's value. The remaining

n 2013, the Government introduced Help to Buy, a scheme to assist first-time buyers in purchasing their first property. The scheme's final iteration, which stopped accepting applications on October 31st, 2022

It can be difficult to purchase your first home, especially in areas with high property prices. Fortunately, there are various ways you can overcome this challenge. One option is to use government schemes

Specialised mortgages are available to cater to your needs if you don't fit the standard borrower profile or are purchasing an unconventional property. There is a large variety of mortgages available

It is important to understand that purchasing property, regardless of size, comes with high costs beyond just the…

To buy a property with a 90% or 95% mortgage, you can deposit just 10% or 5%, respectively and borrow the rest. These types of mortgages are commonly referred to as having a 90% or 95% loan-to-value (LTV) ratio

A tracker mortgage has a variable interest rate that changes depending on an external interest rate, usually the…

When seeking a mortgage, your borrowing history is crucial. Lenders will review your credit score, a numerical representation of your borrowing history. Factors such as timely monthly payments, credit utilisation,

Applying for a mortgage is a significant financial decision that requires careful consideration. The many choices can be overwhelming if you've never done it before. To help you get started, here are some questions

A mortgage decision, in principle, can help you estimate how much you could borrow before you complete a formal mortgage application and receive an official mortgage offer.

If you are considering a leasehold property, consider a few important things. Remember that when you own a leasehold property, you do not own it completely. This means that you may need to seek permission

To understand the cost of a mortgage deal, it's important to understand the different rates quoted. The Annual Percentage Rate of Charge (APRC) is a rate that must be included in any mortgage quotes

If you're buying or selling a property, the invasive plant known as Japanese knotweed can cause significant issues. However, resources can assist you if you know where to search. This guide will explain what Japanese knotweed is

In April 2017, the Lifetime Individual savings account (LISA) was launched. It is aimed at assisting first-time buyers to save a deposit to purchase a property, individuals who wish to save for retirement,