This month at Hudson Rose, we’ve been focussing on remortgages and it occurred to me that sometimes the best thing is to go right back to basics. So today I wanted to explain what the term ‘remortgage’ actually means. In its simplest terms, a remortgage is either changing your mortgage from one provider to another, […]
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Today I wanted to talk to you about maternity leave and how that might affect your ability to get a mortgage or how much you can borrow. A lot of people think that by saying that they’re going on maternity leave or revealing that they are already on maternity leave means that they won’t be […]
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Let’s face it, getting onto that first rung of the property ladder can feel like a complete impossibility for lots of people. House prices have risen and so has cost of living whilst wages remain disproportionately low. Even if you are in a position to afford the monthly mortgage payments, you will still need to […]
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Today I want to address a question that I’ve been asked probably more than any other over the last 13 years, 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 is anywhere between 4 to […]
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Mortgage affordability is the term we use when we’re talking about the amount of money a lender is going to lend you. It’s come a long way since the old days when it was simply a case of multiplying your income. Back then it would either be three and a half times your single income […]
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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 […]
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Back in March 2021 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 […]
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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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