Mortgage Affordability without the stress

Interestingly we have a lender who offers great flexibility in terms of stretching lending, there is a bit of a however, you must take a long term fixed rate with them, for example somebody with clean credit will get a fixed rate of 5.29% fixed until April 2021. People with slightly chequered credit in otherContinue reading “Mortgage Affordability without the stress”

Contractor mortgages

Basically if you are self-employed the request for proof of previous years earnings has been reduced, to sometimes as little as just the last year, company directors and people working on contracts should now find it easier to apply and be accepted for house purchase finance. http://www.rightmove.co.uk Find a property and then get in touchContinue reading “Contractor mortgages”

Changes are happening to SERPS.

SERPS or the state earnings related pension, is having a few rule changes from the 5th Of April this year. Previously when buying your annuity you had to allow for a 50% spouses pension, this will now no longer be the case. You will at retirement now have the option of how you wish toContinue reading “Changes are happening to SERPS.”