The role of the mortgage adviser / broker

    03 April 2019 | 02:10 PM

    We are often asked why do I need you? Surely arranging a mortgage is easy? Why would I need to pay you a fee to arrange my mortgage? Innovate offers an end to end service, looking to make the whole process as painless as possible. A recent survey about the home buying process discovered that on the whole the experience is positive and exciting, but the mortgage element was a huge n...  (Read More)

    Is it worth paying my early repayment charges to secure a lower interest rate?

    22 January 2019 | 05:27 PM

    This is a question many people are asking in the light of Brexit uncertainty and the desire to ensure that their biggest outgoing is fixed during a period of possible volatility in the UK economy. Most mortgage products, whether fixed or discounted variable rates, apply early repayment charges for an initial period - this protects banks and building societies against customers switchi...  (Read More)

    Are you and your family home adequately protected?

    16 January 2019 | 10:39 AM

    As mortgage specialists, the key concern, quite rightly, for our clients is obtaining the best mortgage possible so that they can purchase a new home/investment property or remortgage to a better deal. However, that is only the first part of our role. The second part, often overlooked, is how the mortgage will be paid if an unfortunate incident occurs that reduces or stops a clients’ ...  (Read More)

    Is it time to Brexit proof your mortgage?

    05 December 2018 | 10:19 AM

    Firstly, apologies, I think we’re all well and truly sick of the dreaded “B” word and all of the potential upheaval it could bring to our day to day lives. At the time of writing the outcome of negotiations remains uncertain, but media rumours of possible outcomes and their consequences prevail. So, what does all of this mean for interest rates and the mortgage world? To be completely...  (Read More)