Are you adequately protected?

    05 July 2016 | 11:00 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 as mortgage advisers. The second part, and often overlooked, is how the mortgage will be paid if an unfortunate incident occurs that red...  (Read More)

    Treat your credit file like a member of the family!

    28 June 2016 | 02:05 PM

    The majority of banks and building societies treat mortgages like a commoditised product, with automated decisions and a computer says yes or no business model. For this reason your credit file and the credit score it produces, together with each lenders interpretation of that score, will in most cases determine whether or not you qualify for a mortgage. Missed or late payments, dispu...  (Read More)

    Self employed mortgages

    21 June 2016 | 11:44 AM

    Ok so we all know that if you own and run your own businesss you need three years accounts before you can get a mortgage right?   With some lenders this would be the case, but as with many elements of the mortgage world, lender requirements differ wildly. I have outlined a few of the possible variances below:- Number of years trading – some lenders will consider an application with ju...  (Read More)

    The role of the mortgage adviser / broker

    14 June 2016 | 02:21 PM

    We are often asked why do I need you? Surely arranging a mortgage is easy? Why would I need to pay you £295 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 negat...  (Read More)