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property buying

Buying a property

In recent years, it is has become increasingly difficult for first time buyers to get that all important first step on the property ladder. This has resulted in buyers often trying to find creative ways of bypassing their financial restrictions, such as buying in partnership with friends and family members, seeking out ex housing authority

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Property from auction

Buy to Let mortgage on an auction property

Buying properties at auction is becoming increasingly popular, especially with the interest in home and property television shows. However, is this a good way of buying properties to rent out, particularly if you’re relying on a buy to let mortgage to finance the purchase? Buying a property at auction If you’ve never been to an

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credit score?

Can you improve your credit rating?

Are you wondering ‘can you improve your credit rating?’ Your credit score can affect your ability to successfully apply for finance products or benefit from preferential rates. However, do you know exactly how it’s calculated or the best ways of improving it? What’s a credit score? Your credit rating is used by lenders to determine how

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mortgage lending

Remortgaging to save money: Is it an option for me?

Remortgaging to save money: Is it an option for me? Remortgaging to save money has been an option many people have been opting for in recent years. For most people, mortgage repayments represent their largest monthly outgoing and any way in which you can save money or repay the debt quicker is good news. Mortgage rates

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pros and cons of the Help to buy scheme

How to get the best self-employed mortgage

Self-employed mortgages readily available Anyone with even a passing interest in the UK mortgage market will tell you what a minefield it is nowadays, with post-crunch lenders nowhere near as generous as they were 6 years ago, but people are still borrowing, and plenty of them are self-employed. Despite lenders now having a reputation for

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Negative Equity: What are my options?

Negative Equity: What are my options?

For many, the term, “negative equity”, is likely to be synonymous with the political, economic and social culture of the early 1990s, and is a phrase that is likely to evoke fear in home-owners around the UK.  Put as simply as possible, it is a situation in which a mortgage exceeds the actually value of

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