When your mortgage deal comes to an end, it is natural to focus on one question: what will my new monthly payment be?
But there is another important question worth asking at exactly the same time.
Why giving your mortgage a proper review could be one of the most useful financial jobs you do this year
Mortgages have a habit of becoming part of the furniture.
You arrange the deal, the monthly payment leaves your bank account and, for the next few years, it can be tempting to forget all about it.
A mortgage can run for decades, but a household’s income can change overnight. Illness, a serious diagnosis, redundancy and death create different financial problems, and no single insurance policy necessarily covers them all.
Britain’s latest heatwave has left many households struggling with sleepless nights, overheated bedrooms and homes that take hours to cool down. As periods of extreme heat become a more important consideration, buyers may need to think differently about what makes a property comfortable, efficient and affordable.
The Scottish Government’s LIFT Open Market Shared Equity (OMSE) scheme is open for applications. Eligible buyers can get funding of up to 40% toward the price of a home in Scotland.
The Government plans to replace the Lifetime ISA with a new savings account designed solely to help first-time buyers purchase a home. But several important details, including the bonus and property price limit, have yet to be decided1.
More than five million households are expected to face higher mortgage repayments by the end of 2028, according to the Bank of England. For homeowners approaching the end of a fixed deal, starting early could provide more time, more options and greater certainty
The rules around getting a mortgage could change if new proposals from the Financial Conduct Authority are approved.
The Financial Conduct Authority, also known as the FCA, regulates the UK mortgage market and sets rules that lenders must follow.
Buying or selling a home should be one of life’s exciting milestones.
Too often, however, it becomes one of the most stressful.
When the UK experiences a heatwave, most of the attention understandably turns to health, hydration and staying cool. That should always come first. Hot weather can affect everyone, particularly older people, young children, pregnant women and those with underlying health conditions.
Protect Mortgage Solutions Ltd trading as Protect Mortgage Solutions is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
Protect Mortgage Solutions Ltd are registered in Scotland.
Registered No: SC501786. Registered Office: 7 Queens Gardens, Aberdeen, AB15 4YD.
Try it FREE for 7 days, then £14.99 a month – cancel online anytime
Please be aware that by clicking on to the above links you are leaving the Protect Mortgage Solutions Ltd website. Please note that Protect Mortgage Solutions Ltd nor HL Partnership Limited are responsible for the accuracy of the information contained within the linked site(s) accessible from this page.
If you click this referral link and make a purchase (or take another qualifying action), we may receive a commission or referral fee – at no extra cost to you.
Protect Mortgage Solutions Ltd trading as Protect Mortgage Solutions is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
Protect Mortgage Solutions Ltd are registered in Scotland.
Registered No: SC501786. Registered Office: 7 Queens Gardens, Aberdeen, AB15 4YD.
Try it FREE for 7 days, then £14.99 a month – cancel online anytime
Please be aware that by clicking on to the above links you are leaving the Protect Mortgage Solutions Ltd website. Please note that Protect Mortgage Solutions Ltd nor HL Partnership Limited are responsible for the accuracy of the information contained within the linked site(s) accessible from this page.
If you click this referral link and make a purchase (or take another qualifying action), we may receive a commission or referral fee – at no extra cost to you.
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The Financial Conduct Authority does not regulate some forms of Buy to Lets. Think carefully before securing any other debts against your home. Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.