A back-to-back mortgage happens when someone sells a property within six months of buying it. This is also known as a sub-sale. These deals are less common and difficult to arrange as lenders have specific requirements. Whether you’re an experienced property investor or a first-time buyer, understanding back-to-back mortgages is helpful, especially with the UK’s […]
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Can’t Get a Mortgage? Here’s What You Can Do
What Should I Do If I Can’t Get a Mortgage? First things first, don’t panic. If you’ve hit a roadblock in your mortgage journey, the key is to understand why. Maybe it’s your credit score, maybe it’s the property, or maybe it’s something else entirely. The important thing is to get specific. Vague reasons like […]
How A Change of Circumstances Affect Your Mortgage
What Changes Affect Your Mortgage Application? Lenders expect your circumstances to stay the same from applying for a mortgage to completing it. However, life doesn’t always follow the plan. Changes like these can affect your mortgage: Tell your lender about any changes. They can affect your mortgage offer. Some changes might mean your mortgage terms […]
A Definitive Guide To Home Buying and Mortgage Process
How To Buy a House in the UK? Step-by-Step Here’s a quick overview of what you need to do: We’ve laid it all out below, so you’ll feel like a home-buying expert in the UK. 😎 Ready? 1. Set Your Budget (1-2 Days) Before you start house hunting, it’s important to know how much you […]
What To Do With A Joint Mortgage After Death
What Happens to a Joint Mortgage When Someone Dies? If you share a mortgage with someone, it’s important to understand what happens if they pass away. How things work out depends on how you own your home (type of mortgage agreement). There are two main ways to own a property with someone else: joint tenancy […]
Joint Mortgages in the UK: What You Need to Know
What Is a Joint Mortgage? A joint mortgage is a home loan shared between two or more people, allowing you to combine your financial resources to purchase a property. Whether you’re buying with a partner, a friend, or even a family member, a joint mortgage can be a strategic way to get onto the property […]
