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Tim Leonard

Tim Leonard

Lead Writer & Content Strategist

Resume

Education

  • BA (Hons) Industrial Economics, University of Nottingham

Previous Experience

  • Finance Editor, Future
  • Associate Editor, Moneyfacts
Tim is a lead writer at NerdWallet and holds the Chartered Insurance Institute (CII) Level 3 Certificate in Mortgage Advice. He has over 20 years’ experience writing about almost all aspects of personal finance. During his career at Moneyfacts, Virgin Money and Future, Tim has shared his high-level technical understanding of financial products and regulation with both consumer and IFA audiences.

The latest from Tim

Instant Business Bank Accounts in the UK

Instant business accounts can allow you to start sending and receiving payments within minutes. Just make sure you have proof of ID, proof of address, and some business details to…

Does a Secured Loan Affect Remortgaging?

You can remortgage if you have a loan secured against your home, as long as you can meet the necessary affordability requirements.

What is Security on a Loan?

Providing security for a loan means you put forward an asset, such as your home, as collateral against the loan that you need.

Fixed or Variable Mortgage: Which is Right for You?

The main difference between a fixed and variable mortgage is that your mortgage rate stays the same for a set period with a fixed-rate mortgage, while with a variable rate…

No Deposit Mortgages: Getting a 100% Mortgage Without a Deposit

A no deposit mortgage may be an option if you’re struggling to raise the deposit for a home, though you’ll probably need a family member or friend to be your…

95% Mortgages: Getting a Mortgage With a 5% Deposit

95% mortgages only require you to have a 5% deposit. They are mainly used by first-time buyers, and sometimes by existing homeowners who are looking to move or remortgage but…

Interest Only Mortgages

With an interest only mortgage you’ll only pay off the mortgage interest each month, but none of the original loan.

How Much Deposit Do You Need for a House?

A deposit of 5% is usually the minimum needed to get a mortgage to buy a home, but saving a larger deposit can help you secure a lower mortgage rate.

What is a Mortgage in Principle and How do You Get One?

Getting a mortgage in principle can give you an idea of whether a lender will offer you a mortgage and for how much.

When Can You Remortgage?

It’s possible to remortgage whenever and how often you like, but there may be charges if you remortgage before your current deal ends.

How Long Does it Take to Remortgage?

The remortgaging process may take one to two months if you’re switching to a new lender, or it could be less than a week if you stay with your current…

Remortgaging to Pay for Home Improvements

Remortgaging to pay for home improvements or an extension may be an option if you have sufficient equity in your property and can prove to your lender a larger mortgage…

Mortgage Overpayment Calculator

Use our mortgage overpayment calculator to work out the savings you could make by overpaying and how much faster your mortgage could be paid off.

Remortgage Costs and Fees Explained

Remortgage costs are the fees that you may have to pay when switching from your current mortgage to a new deal. These could include arrangement fees, booking fees, legal fees…

Do You Need a Solicitor to Remortgage?

The legal expertise of a solicitor will be needed if you remortgage with a new lender but may not be necessary if you take out a new deal with your…