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The Hudson Rose Blog

5 things that could slow down your mortgage application

By Jessica Mitchell | June 1, 2020 | 0 Comments

Today I want to address a question that I’ve been asked probably more than any other over the last 13 years and that is how long does it take to get your mortgage offer? There’s no right way to answer this question because every lender is different, but the stock answer for me over the last 13 years to clients has been anywhere between 4 to 6 weeks is reasonable. However, normally we can get the application done and the offer completed inside this time.   Lender service levels There are several factors that affect how long it will take to process your mortgage application. The first one […]

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3 tips for improving your credit score

By Jessica Mitchell | May 15, 2020 | 0 Comments

Today I want to talk about credit and credit scoring.  If you’re a first time buyer, I’ve got three tips that will help you up your credit score and get the mortgage you need. These are really simple things that are often over looked.   1. Get on the electoral roll The first tip is to make sure that you’re on the electoral roll at your current address. Ideally you should not be at your parents address where you’ve been before, or an address when you were at University, or an address when you were working elsewhere. You need to be at the current address. Lender’s factor the […]

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What’s all this about Mortgage ‘Holidays’?

By Graham Taylor | April 21, 2020 | 0 Comments

Back in March the Chancellor announced that, as part of the economic policy to get us through Covid-19, mortgage lenders are going to offer up to three months’ payment holidays for those that are in difficulty. That’s really good news and I wanted to give you a bit more information about it because we all know that the next few months could be pretty tough.   The fact that the government have intervened in this is really good news because it gives us all a bit of breathing space. The most important thing to understand is that the first place to go is always your mortgage lender.   […]

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We are HR…..

By Graham Taylor | February 15, 2019 | 0 Comments

Boutique mortgage and insurance advisers. You are busy people and we love what we do! We believe that clients should be able to choose how to contact us and utilise their medium of choice. Face to face appointments can be conducted via video without the need for any special software. We also offer telephone appointments and there is no obligation – just give us a call for a chat.. We will advise you on the best mortgage for your circumstances from the whole of the market and provide updates throughout the process. Things work better when everyone knows what’s going on.

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