If you’re looking for a mortgage broker, how do you pick a good one?
If you take out a mortgage, you can find one directly, talk to your bank or building society or get advice from a mortgage broker. When I remortgage, I tend to use a mortgage broker because I think a good one can get you a better mortgage deal (or the right one for you) and can sometimes save you money on things like life insurance. If you’re self employed or if you’re not a good credit risk, it’s definitely worth using a mortgage broker.
How to get the mortgage you want at the best rates; tips on how to get a mortgage
Checking your credit file, getting your deposit, closing old credit card accounts will all help
The mortgage market is currently more competitive than it's been for some time, but lenders are still being choosy about who they give a mortgage to and who gets their best deals. You can’t guarantee you’ll be approved for a particular mortgage, but if you follow these tips you will certainly increase your chances of getting the mortgage you want.
Buying a leasehold flat; how to avoid the problems with high service charges or costly repair bills.
What to look for when you're buying a leasehold flat; how to avoid large repair or service charges.
Have you ever read a lease? If you haven’t, you’re not alone. Every year thousands of people buy leasehold flats without having much idea of what they’re letting themselves in for. In many parts of England and Wales, if you want to buy a flat, the only option is to buy one that’s leasehold. The lease is the legal contract you sign up to when you buy but many people don't see a copy of theirs until after they've bought the property.