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Bridging loans explained

Bridging loans can be useful for lots of reasons such as helping you buy a house if your chain breaks down, if you’re downsizing but want to buy before you sell, or if you’ve bought at auction but can’t get the funds ready on time. We explain what bridging loans are, when they are used, pros & cons, costs and how to apply.

Falling House Prices

Knowing when to buy a house can be challenging, especially during a cost-of-living crisis. Although household budgets remain under pressure from high inflation, confidence is returning to the property market as house prices fell 3.1% on an annual basis in March.

What is a credit report?

What is a credit report?

A credit report is essentially a financial report that tells the story of your borrowing and repayment history. Compiled by credit bureaus or credit reporting agencies, they gather information from lenders, credit card companies, and other financial institutions that you’ve had a financial relationship with.

Life insurance made simple

Let’s be real, life insurance can feel like a world of its own. This is why we have created our ultimate guide to the basics of life insurance. Keep reading to find out what life insurance is, the most popular types, how it works, and why it’s so necessary in the world we live in today.

Investment property

If you’re planning to buy an investment rental property, you may be wondering if you should do so through a limited company. In recent years, there has been a substantial move towards buying investment property through companies that are listed as limited.

It’s Good to Talk

Selling your home is likely one of the biggest financial transactions you’ll ever undertake in your lifetime. When an offer to purchase your property is presented to you, you have three choices. You can accept it exactly as it is. You can reject it. Or, you can reject it and then counter with an offer of your own.

Cost of Living Crisis

The cost of living crisis is hitting households and businesses hard. Faced with rising energy and grocery bills, inflation currently at a 40-year high and expected to rise further, and business facing higher operating costs and supply chain problem, many are having to make some very difficult financial decisions.

Property viewings

Whether you’re looking to buy your first home, moving home into something bigger or planning to downsize, buying a property is a major financial and emotional decision to make. And, as they say, knowledge is power. So, you’ll want to make sure you’re asking the right questions.

‘Mortgage ready!’

DETERMINING HOW much money you need to buy a property may seem daunting for first-time homebuyers. To work that out, you need to consider how much of a deposit you will need, as well as considering other costs involved in buying your first home and moving.

Mortgage or Marriage?

OVER THE YEARS, both the average cost of a wedding and the average deposit required to buy a property have increased. As a result, this has forced some younger couples in the UK to decide which is more important to them — the dream wedding or the dream home?

How to be a good landlord

THERE’S FAR MORE to being a landlord than simply owning a property. Whether you’re an experienced landlord who has been managing a portfolio of properties for many years, or a new landlord, understanding your legal obligations as a landlord will help you to protect your investment, yourself and your tenants.

Interior Design

WHEN IT COMES TO THE PSYCHOLOGY of colour, there is a lot of discussion around what different hues can do to our mood and emotions. But what about when it comes to our homes? Can the colours we choose for our walls, furniture and decor have an impact on our wellbeing?

Interest rates are rising

RECENT YEARS have seen an extraordinary period of competitive and low interest rate mortgage deals but, even before the Bank of England’s (BoE) rate-setting Monetary Policy Committee began increasing interest rates last December, there were signs that the era of ultra-low mortgage rates was at an end.

Mortgage options

IF YOU ARE not in the fortunate position of being able to buy your home entirely in cash, finding the right property is only half the battle. The other half is choosing the best type of mortgage for your specific requirements.