Mortgages.scot

Home Energy Performance Explained (EPC)

As we continue into 2023 with high energy costs expected to be a headline throughout the year, Energy Performance Certificates tend to be largely ignored by most homeowners in my experience. With changes in legislation coming along they are more important than ever.

EPC
Energy

Affordability test for a BTL?

A question from a visitor on whether or not applying for a BTL will require an affordability test or not. In most cases it should not but there are exceptions.

BTL

Inflation falls sharply to 4.6%

Inflation has come down quite significantly but that does not mean it's good news for interest rates falling anytime in the very near future.

Inflation

Mortgage Underwriter – a role for you?

I have been asked a few times to do a guide on what is required and what it's like to be a mortgage underwriter. This is it, finally! Find out what it takes to do this job.

Underwriter

ClearScore - Free Credit Information

Maintaining a good credit score should be a focus for everyone. The better your credit score the easier it is to get credit and often lower rates. It can even tell you things you didn't know. ClearScore can help.

Clearscore

Is this the end of leasehold, again?

Seems like only yesterday that the Government was promising to remove leasehold on new build properties, well it was 4 years ago. But here we are again!

Leasehold

6,300 Council homes in Moray to be checked for RAAC

RAAC checks have been taking place across the country. Moray Council had previously declared there was none in the area then it was found in a High School, now all properties are being checked.

Moray
RAAC

Interest rates held at 5.25%

To the surprise of many, me included the Bank of England held interest rates at 5.25% today. The vote was very close though, right down to the wire close!

Interest

Inflation drops to 6.7%

The latest inflation figures were released today by the Office of National Statistics. There is good news but the expectation is that when the Monetary Policy Committee meets tomorrow interest rates will still increase.

Inflation

Rishi Sunak Amends Net Zero Plans

Rishi Sunak made an announcement today that changes many of the Government's green plans that were intended to come about as soon as 2026. Homeowners may well be feeling like they have finally got a win on something at last!

Green
EPC
Boilers

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