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Why Become a Property Owner

Why Become a Property Owner

Why do people want to own property, well I always say whilst you are young and earning money you don’t consider that at some point your income will decrease because you are too old to work – now this is a very different world now a days. Retirement ages are...

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Deposits

Deposits

I have seen in the last 18 years many changes, but this has to be one of the biggest. I now see parents gifting deposits to their children on a very regular basis.  But there are still people who don’t have this ability and so I will detail the difference on how...

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So How Much Can You Borrow

So How Much Can You Borrow

Each lender has a completely different affordability calculator to the other. Years ago it was 2 to 5 times your annual income/net profit. Now it’s several factors that affect what you can borrow mainly:Credit score/historyIncome - salary, other income -...

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What to consider before getting a mortgage

What to consider before getting a mortgage

Credit Score Your credit score needs to be good/amazing and you need to have one! What are they? There are various credit searching companies and currently new ones are popping up daily. The main ones the mortgage companies use are: Experian Equifax Call Credit Noddle...

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