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For those who are employed, income proof is simply evidenced by your payslips and P60.B From these documents, the lender can see what income is received.B Bank statements are forensically examined to see what the applicants spending is like and this information is entered onto the lenders affordability calculator. This then produces a figure that...
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There has been a lot of activity as the New Year begins.B Four new enquiries for boarding kennels / catteries in the last few days.B This is a sector of the mortgage market that we have a good deal of experience with.B This is not a simple market as there are considerations regarding noise, location,...
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Mortgage market update October 2014 The mortgage market has seen significant changes in the last year, especially with the Financial Conduct Authority launching the Mortgage Market Review. The actual process of obtaining mortgage funding is much more onerous than ever before with many lenders appearing to shy away from offering mortgage advice. Many mortgage customers...
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Help to buy – The new Government scheme from Jan 2014 to help first time buyers and home movers purchase new build or existing properties.   Great news! New Buy, The Mortgage Guarantee Scheme is due to roll out in January 2014. This is a new initiative from the government that can assist purchasers buying...
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Europe is at it again!   Not content with their crazy project bEurob putting the whole global economy in jeopardy the Eurocrats are now looking at sticking their noses into our buy-to-let mortgage market.   Landlords who had been investing in property prior to the bcredit crunchb will have witnessed the dramatic fall in the...
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Mortgages are somewhat difficult to acquire these days.B Going back to 2007, things were much easier and lending was at its peak.B Unfortunately, due to the credit crisis and irresponsible lending, the market collapsed and many lenders withdrew from lending.B Some have returned in a new format such as Kensington, IgroupB and Platform but many...
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A secured personal loan is any loan that is secured against an asset. In most cases this would be against a property, meaning that should you be unable to repay the loan the lender can seize the asset to cover the cost. Homeowner loans and second charge mortgages. There are a few main advantages to...
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