What is a Final Mortgage Credit Check? A final mortgage credit check is the last step lenders take before they approve your mortgage. They review your credit history again to ensure nothing has changed since your initial application. It’s their way of confirming you’re still a reliable borrower. This check ensures you haven’t taken on […]
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What Checks Do Mortgage Lenders Do Before Completion?
Can You Add Stamp Duty To A Mortgage In The UK?
Can You Add Stamp Duty to Your Mortgage in England and Northern Ireland? Technically, there’s no specific mortgage product that allows you to add stamp duty directly to your loan amount. However, there is a workaround that enables you to effectively cover stamp duty through your mortgage. Here’s how it works: Most lenders have a […]
Getting Mortgages For Disabled On Benefits In The UK
Can You Get a Mortgage if You Have a Disability? Yes, you can get a mortgage even if you have a disability and are on benefits. Anti-discrimination laws in the UK are clear: lenders can’t reject your mortgage application just because of a disability or illness. The Equality Act 2010 backs you up, defining disability […]
What You Need to Know About Co-Signing a Mortgage
What Does It Mean To Co-Sign a Mortgage? When someone co-signs your mortgage, they are essentially acting as a guarantor. The co-signer agrees to take on joint liability for the mortgage debt, without any ownership rights to the property itself. In practical terms, it strengthens your mortgage application by adding the co-signer’s income and assets […]
Complete Guide To Mortgages: What You Need To Know
Owning a home—it’s a dream for many. Yet, with property prices soaring and hefty deposits required, it often feels like a distant reality. Unless you’ve got a generous relative ready to hand over a small fortune, one thing is certain: you’ll need a mortgage. The mortgage process can seem overwhelming, especially for first-time buyers. Endless […]
Everything You Need To Know About Mortgage Applications
Got your heart set on buying a home? First, let’s talk about the mortgage application process. A mortgage application is how you ask a lender, like a bank or building society, to give you a loan to buy the house. Here’s how it works: the lender looks at your income, debts, credit history, and the […]
