The end of the stamp duty holiday

The stamp duty holiday has very much been a complicated subject. On the one hand, the stamp duty holiday allowed people to move home which with the effects of the pandemic still in play it

Bankruptcy Discharge Certificate

If you have previously been bankrupt we would usually request a copy of the Bankruptcy Discharge certificate for the mortgage lender. Below is a little more information on what this document looks like and where

Are all Life Insurance policies the same?

In 2011 I started working for a Life insurance provider. Mortgage brokers and financial advisers sold our policies. We also sold Income Protection and Critical Illness policies. We were never really the cheapest and there

Bad Credit caused by Covid

Since Covid-19 hit early last year, it has turned our world upside down. For some people it has been a positive – more time with family, less time commuting or even furlough. For others however,

IVAs and Mortgages

Getting a mortgage with an IVA is obviously more complex than without. However it does not necessarily mean you can not get a Mortgage or that it needs to cost more. The devil is in

The Mortgage market in 2021 so far

We read a lot in the news about how the mortgage market is going and how property prices are going up or down and I thought I would put a post out there to explain

Ignore the score – why credit score in not important

Over the years we have become accustomed to people thinking their score should either mean they have the pick of the lenders or they will struggle to get a mortgage depending on their credit score.

Gifted equity deposit success story

We spoke to a customer earlier this year, unfortunately at the time we were fully booked and advised it would be around 2 weeks before we could look at it. The customer understandably in the

Moving to Cheshire/South Manchester

As we are based in Cheadle Hulme on the border with Wilmslow and Bramhall, we thought it would be a good idea to make some posts on the local towns/villages for anyone looking to move

Moving to Wilmslow

If you are looking to move to Wilmslow we are conveniently located to help you move to the area. Our offices are around 3 miles from Wilmslow town centre. There are so many reasons why