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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

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…

How to Remortgage to Release Equity

Remortgaging to release equity allows you to raise funds by accessing some of the value that’s built up in your home.

Equity Release or Remortgage: Which is Right For You?

If you’re an older homeowner who wants to unlock the equity in your home, equity release or remortgaging could both be explored.

What is a Remortgage & How Does Remortgaging Work?

Remortgaging involves changing your existing mortgage for a new deal, either with a different lender or your current one.

Porting a Mortgage Explained

Porting a mortgage is when you transfer your existing mortgage deal when you move to a new home, instead of taking out a new mortgage. Here’s how mortgage porting works…

Mortgage Advice: Do I Need a Mortgage Broker?

The job of a mortgage adviser or broker is to help you find the best mortgage for your circumstances and needs. They may also apply for the mortgage and take…

What Does Loan-to-Value (LTV) Mean for a Mortgage?

The loan-to-value (LTV) ratio is your mortgage amount expressed as a percentage of the current value of the property being bought or remortgaged. The bigger your deposit or the equity…

How Long Do Mortgage Offers Last?

If a lender makes you a mortgage offer, you'll typically have between three and six months before the offer expires.

Discount Mortgages: Is a Lower Rate Worth the Risk?

A discount rate mortgage tracks a lender's standard variable rate, but at a discount. There are pros and cons to this sort of loan.

What’s the Difference Between Freehold and Leasehold?

Most home buyers in the UK have two main options when it comes to property ownership: it will usually be offered freehold or leasehold. With freehold, you will own the…
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