One of the reasons property is such a popular asset choice for investors is that you don’t need to invest all the money yourself; you can leverage funds from the bank. Here’s a very simplistic example of how borrowing via a buy-to-let (BTL) mortgage allows you to multiply your returns […]
In the last quarter of 2025, the Government held a consultation on its proposed home buying and selling reforms, and the feedback is now being analysed. They recognise that the buying and selling process is currently “long, complicated and frustrating”, with offer to completion taking an average of around four months and […]
John Fraser-Tucker and his team at Mojo Mortgages were asked to share their five top tips for those looking to purchase a home or remortgage within the next six months, to save you hundreds of pounds that you can spend however you would like – whether that be Christmas presents, savings […]
Top 5 pitfalls to avoid when remortgaging your home Remortgaging your home is more or less the same process as getting the mortgage when you first bought the property; however, it’s important to bear in mind that your circumstances may have changed. For example, you may have moved job – […]
If you’re moving home and have either plenty of equity or savings you can use for a deposit, plus a decent income, it can be straightforward to finance your next purchase via a traditional mortgage. This is how most people ‘consumed’ property in the past, but as lifestyles, earnings, investment […]
A fixed-rate mortgage is where the rate stays the same for the specified deal period. Your payments remain stable for this time; this is reassuring as you shouldn’t face higher costs if interest rates rise. But it also means you don’t benefit from lower payments if rates fall. Your fixed-rate […]
Although it’s rare, there are several reasons a lender can cancel a mortgage – including a time limit on how long an offer is valid. While it’s a position no one wants to find themselves in, the team at Confused.com mortgages have looked at some of the most common reasons a […]
Getting onto the property ladder is tough, most of the time you need a hefty deposit, a steady income and good credit. This is why you might want to consider getting a joint mortgage, grouping together means you’re more likely to afford a bigger property as it’ll increase how much […]
In September 2021, according to Moneyfacts, the average two-year fixed mortgage rate was 2.38%, and the average two-year variable tracker rate was 2.25%. By February 2023, after numerous bank base rate increases since December 2021, taking it from 0.1% to 3.5%, the average two-year fixed rate was 5.58% in January, and the average […]
Market analysis by specialist property lending experts, Octane Capital, reveals that the average homebuyer coming to the end of their mortgage term over the next year is set to see the cost of their monthly repayments climb by over £300 a month, despite having made three years worth of payments. The […]
