The latest from Tim
Could April Mortgage Rates Fall Again?
Fixed-rate mortgages look like they could continue to drop, while inflation expectations and threat of a banking crisis have the potential to halt Bank of England base rate rises. Read…
March Mortgage Rates May Have Room to Fall Further
Fixed-rate mortgages could head lower, but a further Bank of England base rate increase could see variable rate mortgages rise again. Read on to find out mortgage rate predictions for…
Is it Better to Pay Off Your Mortgage or Save?
With savings rates finally paying some semblance of a decent return, deciding whether it’s better to pay off more of your mortgage or put your spare funds into a savings…
How Would a House Price Crash Affect You?
Sliding property values and wider economic woes have seen whispers of a house price crash in the UK start to grow. Here, we explore whether a correction in prices could…
How Help to Buy ISAs may have Become a Hindrance
With Help to Buy ISA house price limits failing to rise in line with house price growth, some first-time buyers are finding these savings accounts are hampering their homeownership dreams.…
No Deposit Mortgages: Getting a 100% Mortgage Without a Deposit in the UK
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…
What is a Mortgage in Principle?
Getting a mortgage in principle can give you an idea of whether a lender will offer you a mortgage and for how much. Having such an agreement doesn’t guarantee you’ll…
Is Equity Release Safe?
Equity release can be considered safe because you must take professional advice, and providers and advisers are regulated by the Financial Conduct Authority. Most equity release providers are members of…
What is a Drawdown Mortgage?
A drawdown mortgage is a form of equity release that allows you to unlock the equity in your home as and when you require. As you only pay interest on…
What is a Lifetime Mortgage?
A lifetime mortgage is an equity release scheme that allows you to access some of the wealth you have tied up in your home. With a lifetime mortgage you can…
Secured Loans for Bad Credit UK
Getting a secured loan with bad credit is possible if you’re willing to use your home or another asset as security. Read on to learn more about bad credit secured…
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. As lenders feel they are taking on…
Does Life Insurance Cover Funeral Costs?
Taking out life insurance to cover funeral costs could help make life a little easier for loved ones at a difficult time. By making sure your beneficiaries receive a life…
Do I Need Life Insurance?
Taking out life insurance can reassure you that your loved ones will be looked after financially if you die during the policy term. Payouts might cover your mortgage or make…