Lessons learned from a day in the City. 

With the recent rise in the Bank of England base rate, more clients are requesting fixed rate mortgages, but on occasion a tracker mortgage might make more sense. David Baker explains. 

Offset mortgages are not for everyone but can be a useful facility in the right circumstances. Simon Morgan explains the basics with a case study from a recent client. 

With the housing market experiencing a slow down, especially in the South East, house buyers are in a better position to negotiate on price. Here are my top tips for how best to approach a house purchase negotiation. 

As an ex Royal Engineer, it is great to know that these days the Forces Help to Buy Scheme is in place to bridge the gap between the armed forces and civilian life. 

A change in employment status such as promotion to partner or becoming self-employed can cause problems with a mortgage application - but not always. Rhys Edwards explains how some lenders are now much more flexible when it comes to new employment.

If you’re thinking of re-mortgaging or buying a house, before you start looking for the right mortgage, it’s worth spending some time getting all the necessary information together. If you’re not sure what’s needed, the simple answer is every lender approaches things differently, but I can give you a good idea of what may be required.

Investment professionals often have income situations that make mortgage applications less straightforward. Over the years, having so many of these clients has given me a good insight into how best to help those working in the City in similar situations. 

For those becoming partners in professional firms, mortgage applications can be less straightforward. Simon Morgan shows how he helped secure a remortgage for a newly self-employed client.

Picking the right mortgage to suit your needs is an important decision. But before you get to that point it’s just as important that you choose the right mortgage intermediary to help you.