Getting a mortgage with bad credit

Getting a mortgage with bad credit

Do you remember the heady days of pre-2007; a time (for a decade or so leading up to the ‘credit crunch’) when there was unfettered access to mortgages and mortgages were granted on the basis of what the applicant stated they earned? I do, as it was only 2006 when I...
How will Brexit affect my mortgage?

How will Brexit affect my mortgage?

Ah, Brexit. If there’s one word that people – regardless of their position – are tired of hearing, it’s probably that one. However, it’s a reality and one that is affecting all markets – including the mortgage market. Regular readers will know that the team at...
Beware the SVR mortgage trap

Beware the SVR mortgage trap

This definitely sounds more sinister than it really is, however the standard variable rate (SVR) mortgage trap surprisingly affects a high number of people every year. It’s a bit like household energy deals or ISAs: you are drawn in by the competitive rates, be they...
Are you a mortgage prisoner?

Are you a mortgage prisoner?

It’s now over 10 years since the financial crisis hit. And, whilst most of us have been able to put it behind us, there are a large number of people – an estimated 15,000 – who are still affected by its fallout in the context of mortgage applications. These...