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Inflation explained

There has been a lot more talk about inflation in recent weeks and months. More than usual that is for sure. When speaking with people about the economic position I find many don't really understand inflation in that much detail. No issue with that, all most want to know is how it affects them so don't spend time understanding it. I have put together this short guide to give more but not a huge amount of detail on the subject.

Guides

Stamp Duty Explained

stamp duty on property is payable when purchasing property in the UK. There are different rates and in fact different names across England/Northern Ireland, Scotland and Wales. In any event, the principle and broad application are the same. Sometimes it is not that easy to understand what stamp duty would be paid. This guide should help with that.

Guides

Support for Mortgage Interest

Support for mortgage interest (SMI) is a government scheme to help struggling homeowners pay their mortgages. It is as you would expect packed with rules for qualification. So it may not be for everyone.

Benefits

Mortgage Protection Insurance

Mortgage protection through insurance is vital to protect yourself and your family should something go wrong. Here we will look at the options you should consider.

Insurance

Arrears & Repossession

Arrears & Repossession is not something we ever want to find ourselves having to deal with. None of us intentionally put ourselves in such a position but it happens. This is a review of the process in general.

Guides

Understanding an SPV

Understanding an SPV is beneficial for anyone working in or aspiring to work in a part of the mortgage industry that deals with this type of borrower. Here I will explain what it is.

Guides

BTL - A Landlords Perspective

Guide to Buy to Let - Are you considering purchasing a property for investment purposes? This guide from a landlord's perspective may give you some useful insights. Yes, I am the Landlord, I purchased a property for BTL about a decade ago.

BTL

Mortgage Affordability Guide

Mortgage Affordability can be a complex area. Since 2014 changes in the way affordability is assessed by lenders must take many elements into account. This can often go against borrowers either in terms of how much they could borrow or if they can borrow at all. This Mortgage affordability guide should help understand the process.

Guides

Lifetime Mortgage Guide

Lifetime mortgages are becoming more popular and many homeowners are taking advantage of them to release equity from their homes to support retirement. Are they right for you? Do you understand them? That is what we are going to look at in this guide.

Guides

CeMAP Qualification, a good option for you?

CeMAP, should you get qualified by sitting the industries most recognizable mortgage qualification? There are many reasons you may want to study it, not just to become a mortgage advisor.

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