Most common questions
HOW MUCH CAN I BORROW?
The main things that dictate how much a person or couple can borrow is income and their current credit commitments. All lenders have different ways to calculate what someone can borrow. To find out the maximum mortgage you may be able to secure, contact us now.
CAN ADVERSE CREDIT ACCEPTED?
We will have a look into all cases and assess them on an individual basis.
WHAT IS ‘PORTING’ A MORTGAGE?
Porting is a term used by mortgage companies for moving your mortgage from one property to another. Not all mortgages are portable. If you are considering a move it’s always best to check your mortgage terms and conditions.
CAN YOU ‘PORT’ A MORTGAGE TO A LESS EXPENSIVE HOUSE?
It is possible to move your mortgage to a cheaper property on completion of the sale of your current property. The factors you’ll need to consider, perhaps with the assistance of a broker, are: whether your mortgage is portable; if there will be enough deposit to meet a new lender’s criteria; and what fees you may be subjected to if you need to reduce the overall loan amount borrowed.
Lenders often look at maintaining the deposit loan-to-value percentage when considering porting to a lower value – so if you put down a 25% deposit when you took out your current mortgage, the lender may expect to see a 25% deposit on the new, cheaper property.
WHAT SHOULD I DO IF I’M COMING TO THE END OF MY FIXED RATE?
If you’ve got 6 months left on a fixed rate, and you don’t want to pay an ERC (Early Repayment Charge) to switch to a new rate now, you can fix a deal 6 months in advance of the end of your rate with most lenders – this is possible as most mortgage offers are valid for 6 months. That way, if rates start to decrease between now and then you can look at switching to a lower rate in that time. On the other hand, if rates continue to increase you’ll have secured your rate and won’t be affected by any impending rate increase in that time. A win-win in any outcome.
WHAT DO I DO IF NORMAL HIGH STREET LENDERS WON'T ACCEPT ME?
We use lenders who are specialists in the adverse credit market.
HOW SOON WOULD I GET A DECISION?
We aim to get you a decision in principle with an hour once we have all of your information to hand.
Where Could a Career in UX Take You? Agency vs. In-House vs. Freelance?
Digital agencies work with clients to understand their goals & objectives, then develop and implement strategies to help them achieve those goals using digital channels and technologies. They may also provide ongoing support and optimization to ensure that clients get the best results from their digital marketing efforts.
There are several techniques UX designers employ to arrive at a succinct ?
Digital agencies work with clients to understand their goals & objectives, then develop and implement strategies to help them achieve those goals using digital channels and technologies. They may also provide ongoing support and optimization to ensure that clients get the best results from their digital marketing efforts.
Curious about how to build your own UX strategy? Here are five simple steps.
Why is this important? Why will users benefit from solving this problem?
Digital agencies work with clients to understand their goals & objectives, then develop and implement strategies to help them achieve those goals using digital channels and technologies. They may also provide ongoing support and optimization to ensure that clients get the best results from their digital marketing efforts.
What Is a Problem Statement in UX? (And How To Write One?
Digital agencies work with clients to understand their goals & objectives, then develop and implement strategies to help them achieve those goals using digital channels and technologies. They may also provide ongoing support and optimization to ensure that clients get the best results from their digital marketing efforts.
What are the obstacles users are facing? What are they trying to do?
Digital agencies work with clients to understand their goals & objectives, then develop and implement strategies to help them achieve those goals using digital channels and technologies. They may also provide ongoing support and optimization to ensure that clients get the best results from their digital marketing efforts.
What are the obstacles users are facing? What are they trying to do?
Digital agencies work with clients to understand their goals & objectives, then develop and implement strategies to help them achieve those goals using digital channels and technologies. They may also provide ongoing support and optimization to ensure that clients get the best results from their digital marketing efforts.
Curious about how to build your own UX strategy? Here are five simple steps.
Why is this important? Why will users benefit from solving this problem?
Digital agencies work with clients to understand their goals & objectives, then develop and implement strategies to help them achieve those goals using digital channels and technologies. They may also provide ongoing support and optimization to ensure that clients get the best results from their digital marketing efforts.
There are several techniques UX designers employ to arrive at a succinct ?
Digital agencies work with clients to understand their goals & objectives, then develop and implement strategies to help them achieve those goals using digital channels and technologies. They may also provide ongoing support and optimization to ensure that clients get the best results from their digital marketing efforts.
What Is a Problem Statement in UX? (And How To Write One?
Digital agencies work with clients to understand their goals & objectives, then develop and implement strategies to help them achieve those goals using digital channels and technologies. They may also provide ongoing support and optimization to ensure that clients get the best results from their digital marketing efforts.
Where Could a Career in UX Take You? Agency vs. In-House vs. Freelance?
Digital agencies work with clients to understand their goals & objectives, then develop and implement strategies to help them achieve those goals using digital channels and technologies. They may also provide ongoing support and optimization to ensure that clients get the best results from their digital marketing efforts.
What Is a Problem Statement in UX? (And How To Write One?
Digital agencies work with clients to understand their goals & objectives, then develop and implement strategies to help them achieve those goals using digital channels and technologies. They may also provide ongoing support and optimization to ensure that clients get the best results from their digital marketing efforts.
Curious about how to build your own UX strategy? Here are five simple steps.
What are the obstacles users are facing? What are they trying to do?
Digital agencies work with clients to understand their goals & objectives, then develop and implement strategies to help them achieve those goals using digital channels and technologies. They may also provide ongoing support and optimization to ensure that clients get the best results from their digital marketing efforts.
There are several techniques UX designers employ to arrive at a succinct ?
Digital agencies work with clients to understand their goals & objectives, then develop and implement strategies to help them achieve those goals using digital channels and technologies. They may also provide ongoing support and optimization to ensure that clients get the best results from their digital marketing efforts.
Where Could a Career in UX Take You? Agency vs. In-House vs. Freelance?
Digital agencies work with clients to understand their goals & objectives, then develop and implement strategies to help them achieve those goals using digital channels and technologies. They may also provide ongoing support and optimization to ensure that clients get the best results from their digital marketing efforts.
Why is this important? Why will users benefit from solving this problem?
Digital agencies work with clients to understand their goals & objectives, then develop and implement strategies to help them achieve those goals using digital channels and technologies. They may also provide ongoing support and optimization to ensure that clients get the best results from their digital marketing efforts.
There are several techniques UX designers employ to arrive at a succinct ?
Digital agencies work with clients to understand their goals & objectives, then develop and implement strategies to help them achieve those goals using digital channels and technologies. They may also provide ongoing support and optimization to ensure that clients get the best results from their digital marketing efforts.
What Is a Problem Statement in UX? (And How To Write One?
Digital agencies work with clients to understand their goals & objectives, then develop and implement strategies to help them achieve those goals using digital channels and technologies. They may also provide ongoing support and optimization to ensure that clients get the best results from their digital marketing efforts.
Where Could a Career in UX Take You? Agency vs. In-House vs. Freelance?
Digital agencies work with clients to understand their goals & objectives, then develop and implement strategies to help them achieve those goals using digital channels and technologies. They may also provide ongoing support and optimization to ensure that clients get the best results from their digital marketing efforts.
Why is this important? Why will users benefit from solving this problem?
Digital agencies work with clients to understand their goals & objectives, then develop and implement strategies to help them achieve those goals using digital channels and technologies. They may also provide ongoing support and optimization to ensure that clients get the best results from their digital marketing efforts.
Curious about how to build your own UX strategy? Here are five simple steps.
What are the obstacles users are facing? What are they trying to do?
Digital agencies work with clients to understand their goals & objectives, then develop and implement strategies to help them achieve those goals using digital channels and technologies. They may also provide ongoing support and optimization to ensure that clients get the best results from their digital marketing efforts.