Essex Mortgage Advice

Professional Mortgage Advisers in Essex

Phone Number: 07957578754

How Do I Get Started With Buy-To-Let

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  • How Do I Get Started With Buy-To-Let
  • Posted date:
  • 19-07-2022
How Do I Get Started With Buy-To-Let

 Have you been considering: how do I get started with buy-to-let? We look at the steps to getting started as a buy-to-let landlord. As you can probably imagine, there are many different ways to become a buy-to-let landlord. Different buy-to-let landlords rent their properties for different reasons, meaning various methods and techniques are used.  Depending on the type of landlord you want to be, you will usually find your own...

Posted by:Admin on:2022-07-19 12:12:36 Read More

How Much Money Do You Need To Start A Buy-to-let

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  • How Much Money Do You Need To Start A Buy-to-let
  • Posted date:
  • 25-04-2022
How Much Money Do You Need To Start A Buy-to-let

If you are considering renting out a property, you may ask: how much money do you need to start a buy-to-let? We look at the costs of investing in a buy to let property. Buy to let landlords have been steadily rising for the past several years, utilising these properties as a good source of monthly rental income, but are they worthwhile? Keep reading this article if you're considering investing in a buy to let property in 2022. Buy to...

Posted by:Admin on:2022-04-25 11:16:06 Read More

What Tax Do You Pay On Rental Income

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  • What Tax Do You Pay On Rental Income
  • Posted date:
  • 10-04-2022
What Tax Do You Pay On Rental Income

If you are thinking of becoming a landlord but are unsure of the tax you have to pay on your total rental income, this article will take you through a quick guide.    We will take you through why and when you have to pay tax on rental properties, the Income Tax rates you need to pay, tax expenses, UK landlord tax relief, how to work out how much tax you will pay and how tax credits work. The ultimate goal is to help landlords prepare...

Posted by:Admin on:2022-04-10 14:16:00 Read More

Is Income Protection Insurance Really Worth It

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  • Is Income Protection Insurance Really Worth It
  • Posted date:
  • 01-12-2021
Is Income Protection Insurance Really Worth It

This article asks: Is income protection insurance really worth it? Find out more about income protection and when you need income protection insurance. Before we discuss the ins and outs of income protection insurance, it will be useful to first go over exactly what it is and what it is used for. Income protection insurance is an insurance policy that pays you a monthly amount if you are ill or injured and cannot work, essentially covering...

Posted by:Admin on:2021-12-01 12:08:00 Read More

Can A Mortgage Be Declined After Agreement In Principle

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  • Can A Mortgage Be Declined After Agreement In Principle
  • Posted date:
  • 17-11-2021
Can A Mortgage Be Declined After Agreement In Principle

A question often asked is: can a mortgage be declined after agreement in principle? We look at what it means to get an agreement in principle and how it effects your mortgage claim. Mortgage lenders, banks or building societies all have different criteria that you will need to meet to be successful in a mortgage application. These mortgage providers will use the information you provide them in the application process, your credit report,...

Posted by:Admin on:2021-11-17 16:18:20 Read More

What Is A Mortgage Agreement In Principle

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  • What Is A Mortgage Agreement In Principle
  • Posted date:
  • 15-11-2021
What Is A Mortgage Agreement In Principle

What is a mortgage agreement in principle? If you are considering a new mortgage, you will be offered a mortgage agreement in principle. We explore what this means for you. A mortgage agreement in principle, or AiP, is a mortgage evaluation provided by a mortgage lender, bank or building society that will give you an idea of how much you could borrow if you decide to buy a property. You may also hear these agreements referred to...

Posted by:Admin on:2021-11-15 11:25:00 Read More

Understanding Mortgage Basics

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  • Admin
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  • Understanding Mortgage Basics
  • Posted date:
  • 10-11-2021
Understanding Mortgage Basics

This guide to understanding mortgage basics will help you become familiar with how mortgages work. If you are new to mortgages it is important to gain an understanding about which mortgage is right for you. Before getting into the fine details, it will probably be beneficial to go over the basics and definition of a mortgage. Simplified, a mortgage is a financial loan that you use to purchase or refinance a property. You might...

Posted by:Admin on:2021-11-10 11:24:00 Read More

Deposit I Need For A Buy To Let UK

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  • Deposit I Need For A Buy To Let UK
  • Posted date:
  • 25-08-2021
Deposit I Need For A Buy To Let UK

How Much Deposit Do I Need For A Buy To Let UK? If you are considering a buy to let property, you may be asking: How much deposit do I need for a buy to let UK? We look at the minimum deposit for a buy-to-let mortgage and the  mortgage options available. Many banks and mortgage lenders consider buy-to-let mortgages riskier than residential mortgages, so you may have to pay a larger deposit to secure one.  This...

Posted by:Admin on:2021-08-25 13:51:13 Read More

What to Do if you’re Refused a Mortgage

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  • What to Do if you’re Refused a Mortgage
  • Posted date:
  • 30-07-2021
What to Do if you’re Refused a Mortgage

What should you do if you’re refused a mortgage? We look at ways to find out why you may have been declined and how to fix the issues. After trying and failing to be approved for a mortgage loan, you will be happy to hear that there are things you can do to improve your chances of getting approved next time round.  Addressing the issues that caused your bank or lender to have your mortgage application declined and what...

Posted by:Admin on:2021-07-30 12:10:31 Read More

Reasons a Mortgage can be Denied

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  • Reasons a Mortgage can be Denied
  • Posted date:
  • 30-07-2021
Reasons a Mortgage can be Denied

What are the main reasons a mortgage can be denied? We look at why you may be declined a  mortgage application and what can you do to fix it. There are various reasons why a lender or bank might decline someone's mortgage application. However, being declined a mortgage is not the end of the road, and there are many things you can do to improve your chances of being accepted next time round.  We do advise that you remain...

Posted by:Admin on:2021-07-30 12:09:36 Read More

What Types Of Mortgage Are Available

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  • What Types Of Mortgage Are Available
  • Posted date:
  • 28-07-2021
What Types Of Mortgage Are Available

Have you considered what are the types of mortgage available? Find out more about fixed rate mortgages, variable rate mortgages and other mortgage options available. We have comprised a list of the different types of mortgages below, such as variable-rate mortgages, fixed-rate mortgages and more. We look at the pros and cons to help you differentiate the differences between the different types of mortgages.   The information below...

Posted by:Admin on:2021-07-28 15:00:00 Read More

Hard For Self-employed To Get A Mortgage

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  • Hard For Self-employed To Get A Mortgage
  • Posted date:
  • 28-07-2021
Hard For Self-employed To Get A Mortgage

If you are self employed, you may be considering: Why is it so hard for self-employed to get a mortgage? We look at the rules of getting a self employed mortgage. If you are self-employed, you will be happy to know that you are entitled to apply for the same types of loans as everyone else. The nature of your work does not exclude you from or determine which loans you can apply for.  There are no particular qualifiers that make it more...

Posted by:Admin on:2021-07-28 15:00:00 Read More

Why would I get a Tracker Mortgage

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  • Why would I get a Tracker Mortgage
  • Posted date:
  • 26-07-2021
Why would I get a Tracker Mortgage

Why would I get a tracker mortgage? Have you considered getting a tracker mortgage? We look at how tracker mortgages work and why you would consider getting one.  A tracker mortgage is a type of mortgage deal, the interest of which generally follows the Bank of England's base rate. This is determined by the rate at which mainstream, high street banks are borrowing money, and it is a general guide to the economy's health in...

Posted by:Admin on:2021-07-26 11:09:00 Read More

What is a Standard Variable Rate

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  • What is a Standard Variable Rate
  • Posted date:
  • 30-06-2021
What is a Standard Variable Rate

Have you wanted to know more about what a standard variable rate mortgage is? Find out more about how a standard variable rate mortgage works. We discuss the pros and cons of a standard variable rate mortgage. When your discounted initial mortgage deals, fixed or tracker mortgages come to an end, you'll be switched over to what is known as a standard variable mortgage.  Each company has its own standard variable rate SVR, which...

Posted by:Admin on:2021-06-30 13:00:00 Read More

When should I get a fixed-rate mortgage

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  • When should I get a fixed-rate mortgage
  • Posted date:
  • 29-06-2021
When should I get a fixed-rate mortgage

A common question for homebuyers is: When should I get a fixed-rate mortgage? If you are thinking of taking out a mortgage, a fixed rate mortgage might be right for you. A fixed-rate mortgage is a mortgage authorised and regulated by the financial conduct authority.  It is guaranteed that your interest rates will stay the same for an extended long-term period. The fixed deal rate can offer much peace of mind, as it allows you to...

Posted by:Admin on:2021-06-29 14:00:00 Read More

Income for a buy to let mortgage

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  • Admin
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  • Income for a buy to let mortgage
  • Posted date:
  • 02-06-2021
Income for a buy to let mortgage

What Is The Criteria For A Buy To Let Mortgage? Have you been considering: What income do I need for a buy to let mortgage? If you are considering a buy to let mortgage our experienced mortgage advisor offers information about the criteria. Our mortgage advisor working throughout Chelmsford and Essex can help you find out more. If you are looking for buy-to-let mortgage advice, then look no further. This article has all the...

Posted by:Admin on:2021-06-02 15:12:47 Read More

Criteria for a buy to let mortgage

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  • Admin
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  • Criteria for a buy to let mortgage
  • Posted date:
  • 02-06-2021
Criteria for a buy to let mortgage

Find out more about what is the criteria for a buy to let mortgage. If you are considering a buy to let mortgage our experienced mortgage advisor offers information about the criteria. Our mortgage advisor working throughout Chelmsford and Essex can help you find out more. Unlike a residential mortgage, where the person taking out the loan plans to live in the property they are mortgaging, a buy-to-let mortgage is needed...

Posted by:Admin on:2021-06-02 15:12:13 Read More

Can I live in my buy to let property

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  • Can I live in my buy to let property
  • Posted date:
  • 02-05-2021
Can I live in my buy to let property

Have you wanted to ask: Can I live in my buy to let property? If you are considering a buy to let mortgage our experienced mortgage advisor offers information about living in a buy to let property. Our mortgage advisor working throughout Chelmsford and Essex can help you find out more. It is not technically illegal to move into a property where you have taken out a buy-to-let mortgage on the building. However, financial services...

Posted by:Admin on:2021-05-02 10:02:00 Read More