Mortgage Advice

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Falling offset mortgage rates offer savings alternative

Rates on offset mortgages have plummeted to an historic low and now offer an alternative to savers dissatisfied by the low rates of return currently available on savings accounts. According to the latest data from, the average offset fixed rate is now priced at 2.65%, over one percentage point lower than two years ago when the rate stood at [...]

2015-05-27T14:10:48+00:00 May 27th, 2015|Money Saving Tips, Mortgage Advice, News|

Debt Consolidation – The Facts

Debt consolidation was all the rage when the housing market was rising, where home owners re-mortgaged their property and added their unsecured debts to the new mortgage loan, in order to reduce their monthly outgoings. Unfortunately with falling house prices and mortgage lenders becoming more cautious and some would say responsible, homeowners were left with [...]

2017-05-18T20:51:07+00:00 December 26th, 2014|Money Saving Tips, Mortgage Advice|

Rising house prices could be a silver lining for existing homeowners

With the rise in property values over the last three existing homeowners may benefit from a lower rate when their existing scheme comes to an end, this is due to the rise in equity in their property “the difference between the property value and what is owed to the lender. Anyone who purchases their property [...]

2017-05-18T20:51:08+00:00 May 5th, 2014|Mortgage Advice, News|

New Mortgage Rules and You

From 26 April 2014 all lenders must implement more stringent affordability checks on mortgage applicants, as a result many mortgage customers who prior to April would have secured a mortgage may be rejected now as affordability now plays a major part in the lenders decision process in arriving at a decision to lend. The reason [...]

2015-04-20T09:31:06+00:00 May 4th, 2014|Mortgage Advice, News|