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How To Find A Mortgage Broker

Purchasing a house is a tedious process. First, you have to find the right lender who can give you the best interest rate base on your current financial condition. After that, you have to prequalify to start looking for a…

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5 Things You Should Ask Your Mortgage Broker

There are a couple significant reasons behind the current crisis in our mortgage market. One is that mortgage brokers haven't been giving borrowers enough information to make an informed decision. The bigger issue is that borrowers haven't been asking the…

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Credit Crunch and Self-Certification Mortgages

With the credit crunch forcing lenders to evaluate their loan books and reassess the types of products they offer it would appear sensible to anticipate the demise of the self-certification mortgage. However the market for self-certs remains buoyant as lenders…

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All About Self-Employed Mortgages

There are a growing number of people in our society who choose to work for themselves and are therefore regarded as self-employed. Such individuals may be required to apply for specialist self-employed mortgages when buying a home rather than traditional…

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Buy-to-Let Booms as Property Market Halts

While the overall mortgage market has slowed in the wake of recent interest rate rises, buy-to-let mortgage lending has surged. This is a clear indication that buy-to-let property investing has returned to favour following a recent period of uncertainty. There…

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Overview of Remortgages

Remortgages comprise a significant and ever-growing proportion of the overall mortgage market. Property owners are always on the lookout for ways to save money, and with remortgages being relatively simple to organise, it has emerged as a popular method for…

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Lenders of Problem Remortgages

There are a growing number of lenders who will consider applications for problem remortgages. This is an indication of the growth in the market for home loan applications from borrowers with non-standard credit histories and financial situations over the past…

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What Are Non-Status Mortgages?

Non-status mortgages are designed for people who either cannot prove their income or who suffer from adverse credit. “Non-status mortgages” is a term that is loosely used to describe all home loan products that are not standard high-street products. Non-status…

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Refinancing Buy-to-Let Mortgages

Remortgages now comprise almost half of all mortgage business written in the UK. This is largely due to the mainstream residential mortgage market. Refinancing buy-to-let mortgages is not quite as popular. The majority of buy-to-let mortgages approved are made up…

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Adverse Credit Mortgage Broker Fees

Just because you suffer from adverse credit, it does not mean that you will automatically need to use the services of a mortgage broker who will charge a large fee when helping you apply for an adverse credit mortgage. Although…

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Buy-to-Let Repossessions

With interest rates and household bills rising rapidly it is inevitable that property investors and owner-occupiers will begin to struggle financially. One key indicator that the affordability of property is in decline is the rate of repossessions. As the rate…

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Alternatives To Remortgages

Unlocking equity that has built up in a property can be achieved through a number of means including refinancing your home. Remortgages are carried out by home owners who want to release the equity in their home and apply for…

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Pushing The Boundaries Of Buy-To-Let Mortgages

Traditionally, buy-to-let properties were purchased by financially astute individuals or professional landlords with more than just a few properties in their portfolios by using a combination of cash and funds from buy-to-let mortgages. However, as the popularity of buy-to-let property…

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Buy-to-Let Investing Still Pays

As the property market boom continues to become a mere memory, lenders have begun to tighten the criteria on buy-to-let mortgages for new-build properties. This is because the lenders are regarding premium priced new-build property as a riskier asset to…

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Buy-to-Let Mortgages Overview

Buy-to-Let mortgages are specialised products designed for situations in which residential property is purchased with the intention of letting it out. While many people may think they buy-to-let mortgages are a type of residential mortgage, they are in fact viewed…

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