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The Hudson Rose Blog

Hudson Rose Team in front of Cirencester Abbey

How Could School Fees Affect Your Mortgage Situation?

By Jessica Mitchell / April 20, 2022 / Comments Off on How Could School Fees Affect Your Mortgage Situation?

When it comes to getting a mortgage, there are many different factors that can have a bearing on your application. Of course, your income will be critical but so will your monthly expenditure. Mortgage lenders will look carefully at all your financial commitments – council tax, utilities, groceries, car finance and, if it applies to […]

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Hudson Rose office front in Nailsworth

Buy-to-Let Mortgages: Affordability and Deposits

By Jessica Mitchell / March 17, 2022 / Comments Off on Buy-to-Let Mortgages: Affordability and Deposits

A Buy-to-Let mortgage is what you will need if you are planning on renting out the property that you are buying. Or perhaps you already own a property and you now want to rent it out whilst you live somewhere else. There is a lot of information that you will need to get your head […]

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View of houses in Cirencester old town

What is ‘Loan to Value’?

By Jessica Mitchell / March 2, 2022 / Comments Off on What is ‘Loan to Value’?

So you’re starting out on your journey towards buying a home in Cirencester. You know you need a mortgage but you keep hearing various snippets of mortgage jargon and, just when you think you’ve got your head around it all, your broker says something that makes you go ‘eh?’   That’s where we come in. […]

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Working inside the Hudson Rose Nailsworth office

Tips for Getting a Mortgage if You’re Self-employed

By Jessica Mitchell / January 24, 2022 / Comments Off on Tips for Getting a Mortgage if You’re Self-employed

One of the hardest things to do in life is to get onto the property ladder. It’s not as easy as just asking the bank for a mortgage. You have to prove that you can afford it – and the years you have spent renting and paying that rent on time isn’t proof (unfortunately!). If […]

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Staff inside the Cirencester Hudson Rose office

Should I use an online mortgage calculator?

By Jessica Mitchell / January 12, 2022 / Comments Off on Should I use an online mortgage calculator?

So, you’re thinking about getting onto the property ladder? It’s a big step and very likely the most expensive purchase you will ever make. But don’t panic! Just make sure that you don’t bite off more (debt) than you can chew.   First step is to work out how much you can afford to borrow. […]

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Graham in Nailsworth Hudson Rose office

It’s all about that Base (rate)…

By Jessica Mitchell / November 10, 2021 / Comments Off on It’s all about that Base (rate)…

As I write this, almost a week has passed since the anticlimactic event that was the Monetary Policy Committee (MPC) meeting and potential base rate rise. In the run up to the November meeting, the press (both industry and national) was full of the news that there was to be a 0.15% increase in the […]

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Neon Sign in Nailsworth office saying Your Mortgage Our Problem

The big mistake you don’t want to make with your mortgage

By Jessica Mitchell / September 27, 2021 / Comments Off on The big mistake you don’t want to make with your mortgage

Mortgages can be scary. For most of us, buying a property will be by far the most expensive thing we purchase in our lifetime and, chances are, we will need a big mortgage to do so. In a nutshell, it’s a shed load of debt! For lots of people, the struggle to get a mortgage […]

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Graham on phone in Cirencester office

Rate war – we know the score

By Jessica Mitchell / August 4, 2021 / Comments Off on Rate war – we know the score

Nothing gets the juices flowing like a good rate of interest, just me? OK, so our bread and butter business isn’t the most exciting subject matter in the world but, for anyone who might be needing to access funds secured against their home it is important to be aware of what is going on. So […]

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Graham Taylor in striped T-shirt in front of neon sign that says 'Your mortgage our problem'

Can you get a mortgage if you haven’t been self-employed for long?

By Jessica Mitchell / April 27, 2021 / Comments Off on Can you get a mortgage if you haven’t been self-employed for long?

The question of ‘How long do I need to have been self-employed for?’ is one we hear most frequently. Mortgage lending is a cautious activity and the last thing lenders want is to repossess your home. As such they look for a track record in running your own business and the best way to do […]

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Graham Taylor ringing the doorball of cotswold stone home in Cirencester

What does ‘remortgage’ actually mean?

By Jessica Mitchell / January 21, 2021 / Comments Off on What does ‘remortgage’ actually mean?

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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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Hudson Rose Services Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
Hudson Rose Services Ltd, trading as Hudson Rose. Registered Office: 7 Bridge Street, Nailsworth, Stroud, GL6 0AA
Registered Company Number: 11008147 Registered in England

Hudson Rose Services Cirencester Ltd, trading as Hudson Rose. Registered Office: 78 Dyer Street, Cirencester GL7 2PF Registered Company Number: 13349772 Registered in England

There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £499. There is no charge for any initial consultation.

Your Home may be Repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Not all forms of Property Development Finance are regulated by the Financial Conduct Authority

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