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Blog

Spring Clean

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Spring is almost upon us. Now might be worth considering a spring clean of any mortgages you have.

Fixed rates over varying terms, 2,3, 5 and even 10 years have never been more competitive. If you are currently on a lenders standard variable rate and have no intention of repaying your mortgage off over the next few years it is certainly worth looking at the options available on a re mortgage.

If you have any buy to let mortgages there are also some excellent re mortgage packages available some of which like on residential re mortgages offer incentives with no fees payable.

March 2015

 

The mortgage Market Review

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The Mortgage Market Review (MMR) comes in to affect from the 26th April 2014.

What does this mean?

Mortgage interviews may be longer because advisers might need to ask more questions to determine what mortgage product is suitable for you, taking into account your individual needs and circumstances.

One of the cornerstones of the new rules is that there must be a careful and detailed assessment of the affordability of the mortgage for you. This assessment has to focus not just on the affordability of initial payments, but future ones as well - in an environment in which interest rates may be higher, and allowing for changes in your circumstances that can be reasonably foreseen at the time you take out your mortgage.

Lenders are in the market to lend but they quite rightly need to ensure that when lending it is affordable to you.

How can you prepare and how can we help?

There are ways to prepare for applying for a mortgage and as advisers we are here to assist you. You don't need to be thinking of taking a mortgage out immediately, it may be 6 or even 12 months ahead. We can help you prepare as planning ahead will help. We can go though what questions you will be asked, what documents will be required and inform you of how to best to prepare any mortgage application with the right information and presented correctly. 

As a guideline always retain evidence of all your income sources, if self employed it is a good idea to obtain your SA302's in addition to up to date finalised accounts, retain your current account bank statements showing income and your regular outgoings and be prepared to answer detailed questions on your monthly outgoings not just credit payments but also utility costs, monthly grocery costs, travel costs, socialising, childcare costs etc.

New Year

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Happy New Year to everyone from Advanced Mortgage Solutions.

If you need any assistance with an existing mortgage you have or you are looking for a new mortgage then please don't hesitate to contact us and we will do our best to help.

If you call us out of our office hours there is an answer machine and we will return your call the following working day or you can email us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it  with any questions and if you leave a contact number and a convenient time to call you we will ring you or email you with a response 

 

Christmas/New Year 2013

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This year the office will be closed from 5.00pm on the Monday the 23rd December 2013 through to 9.00am on Thursday the 2nd January 2014. However someone will be calling in at the office to pick up messages at various times and these will be dealt with.

With very best wishes for Christmas and for 2014 to everyone.

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