LATEST FROM OUR BLOG
Choosing the Right Mortgage Term for You
Choosing the Right Mortgage Term for You When considering a mortgage, one of the biggest decisions you'll make is choosing the term of your loan. The term determines how long you'll be repaying your mortgage and this can make a significant difference to your monthly...
What’s Coming in 2025: Our Mortgage Market Predictions
What’s Coming in 2025: Our Mortgage Market Predictions As we start the year the mortgage market in Scotland, and across the UK, is showing promising signs of growth and stability. For buyers, homeowners and investors understanding the trends and predictions for the...
Mortgage Broker vs. Direct Lenders: Which is Right for You?
Mortgage Broker vs. Direct Lenders: Which is Right for You? When it comes to securing a mortgage, you have two main options: working with a mortgage broker or going directly to a lender. Both of these offer their own benefits, and the right choice depends on your...
Interest Only Mortgages: Benefits vs. Risks
Interest Only Mortgages: Benefits vs. Risks Interest only mortgages present a unique option in the mortgage market, offering a different approach to home ownership compared to traditional repayment mortgages. By paying only the interest on the loan each month,...
How to Prepare for Your Mortgage Application
How to Prepare for Your Mortgage Application: A Step-by-Step Guide Preparing for a mortgage application can be intimidating, especially for a first-time buyer. However, by taking the time to get everything in order you can improve your chances of a smooth and...
Buy-to-Let Mortgages: The Essentials
Buy-to-Let Mortgages: The Essentials The property market has always had a special appeal, and it's easy to see why. The promise of rental income and the potential for property value to grow over time make it an exciting prospect. If you’re considering property...
The Benefits of Overpaying Your Mortgage
The Benefits of Overpaying Your Mortgage: How Small Extra Payments Can Save You Thousands When it comes to mortgages, most of us focus solely on making our agreed monthly payment. But by making small extra payments, known as overpayments, you can make significant...
Understanding Remortgaging: Why and When to Consider It
Understanding Remortgaging: Why and When to Consider It Circumstances change, as do financial markets, so as a homeowner there can come a time when you might consider remortgaging—either to save money, borrow more, or adjust to a new financial situation. But what...
The Impact of Credit Scores on Mortgage Applications
The Impact of Credit Scores on Mortgage Applications: Understanding and Improving Your Financial Footprint When embarking on the journey of homeownership, your credit score is more than just a number—it's a reflection of your financial health and a key factor...
First-Time Buyers Guide: Navigating the Mortgage Process
First-Time Buyers Guide: Navigating the Mortgage Process Embarking on the journey to become a homeowner is an exciting milestone, especially for first-time buyers. However, the process can seem complex and filled with unfamiliar terms and procedures. As a trusted...
Looking for a Bad Credit Mortgage?
Looking for a Bad Credit Mortgage? A not uncommon concern we encounter at ABC Mortgages is whether it's possible to secure a mortgage with bad credit. The good news is that a challenging credit history doesn't necessarily close the doors to homeownership. This...
How Long Does A Mortgage Offer Last?
How Long Does A Mortgage Offer Last? Understanding the Lifespan of a Mortgage Offer A common question we encounter at ABC Mortgages is, “How long does a mortgage offer last?” Here we’ll aim to provide clarity on this critical aspect, ensuring you can plan your...
The Simplified Path: Navigating the Mortgage Process
The Simplified Path: Navigating the Mortgage Application Process with a Broker Buying a home is a significant milestone, but the process can often seem daunting, especially when it comes to securing a mortgage. This is where a mortgage broker, like us at ABC...
What’s Coming in 2024: Our Mortgage Market Predictions
What’s Coming in 2024: Our Mortgage Market Predictions As we approach the new year, and after the ups and downs of the property market in 2023 it's natural to wonder what lies ahead. Whether you're a prospective homebuyer, a homeowner with a remortgage on the horizon,...
Why Use a Mortgage Broker?
Why Use a Mortgage Broker? When there are so many offers and deals on the market or you can go direct to your bank, it might seem odd to use a third party to arrange your mortgage, so I wouldn’t blame you for thinking why should I use a Mortgage Broker! First things...
Which Mortgage? My Guide to What’s on the Market
Which Mortgage? My Guide to What’s on the Market As a mortgage broker with decades of experience, I understand it can often be difficult to get to grips with the diverse range of mortgage options on the market. I hope this article on the most common mortgages out...
Moving During Lockdown
Moving During Lockdown In recent weeks we have updated you on both Buying & Selling During Lockdown and Your Mortgage Consultation During Lockdown but what happens once you make an offer and have it accepted? In this blog we will look at the next steps and give...
Your Mortgage Consultation During Lockdown
Your Mortgage Consultation In Lockdown Following on from our recent blog “Buying & Selling During Lockdown”, we thought it would be good to give you an idea of what to expect from us when it comes to arranging your mortgage. While most steps have changed a little,...
Buying & Selling During Lockdown
Buying & Selling During Lockdown As Scotland continues on in lockdown for the foreseeable future, the property market remains open. The guidance continues to be that any activity connected to moving home is permitted to take place, including property viewings....
Furlough & Your Mortgage
How Does Furlough Affect My Mortgage? As many have or are considering applying for the furlough scheme, which will see their income drop to at least 80% of their normal wage, it is understandable that many are concerned about how this will affect their mortgage. This...
ABC Financial Health Advice
Everything that has happened over these last 2 months has, for most, thrown into stark relief how important it is to have a good understanding of your financial health. Not only how much you make, your savings and investments, but also understanding where your money...
Your ABC Guide to Mortgage Payment Holidays
As we continue through this time of uncertainty - data from UK Finance shows that since the Chancellor announced mortgage payments holidays: Over 1.2 million homeowners have taken it up. Under this new policy homeowners can request a deferral of their mortgage...
Thinking Of Downsizing? 5 Things To Consider
There are many reasons people consider downsizing. Perhaps you want to live somewhere more manageable, or you are looking for lower running costs or to release equity. Maybe you just feel that it’s time to move on from the family home and create new memories somewhere...
6 Tips On How To Be A Good Landlord
It takes time, money and effort to be a good landlord but is absolutely worth it to if you want to find and retain the right tenants for your property.Having a good, reliable tenant is worth its weight in gold – so when you find them, you want to keep them. Here are...
Over 50 And Too Old For A Mortgage?
There has been a long-held belief that the older you are, the more difficult and expensive it is to get a mortgage. While there is no official age limit to applying for a mortgage, most lenders do impose their own insisting the mortgage term end on the borrower’s 65th...
7 Tips To Help You Find Your Perfect Home
Looking for a new home is a wonderful and exciting time, but it can also be stressful. You can easily become overwhelmed with the amount of properties available and the pressure to find the “perfect” home. However, with a little planning and setting of expectations...
4 Questions To Ask Yourself Before Applying For A Mortgage
4 Questions To Ask Yourself Before Applying For A Mortgage There are a lot of things to consider before applying for a mortgage, whether you are a first-time buyer or a current homeowner. It is most likely the largest financial commitment you will ever make, so be...
5 Top Tips For First Time Buyers
So you’ve decided the time is right to get on the property ladder, but where do you begin? Here are some tips to get you in the right position to buy: 1. Get Your Budget Right It is so important not to set yourself up for failure by knowing what you can really afford....
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