Have you ever heard of Credit Score Protection?

Credit score check is a crucial element of house buying process. A good mortgage broker should check credit report prior to submitting a mortgage application as this document can help select the right lender and avoid hurdles in a house buying process.

The times we face currently might create extra financial pressures on many of us. Whether you are employed or self-employed you may be challenged by loss of income, you may struggle to meet your credit commitments, which, as a result, may damage your credit score. Your health is also never guaranteed so being unable to work due to illness may force you to take decisions that will affect your credit score and your ability to be able to re-mortgage or buy a house in future.

If you have never heard of credit score protection, we encourage you to speak to us to see what is available that might prevent you from drastically affecting your credit score during times when you won’t be able to work due to health reasons.

We now offer online video consultations to answer any questions you might have

Are you eligible for a Green Homes Grant Voucher?

The Government has come up with a scheme for both home owners and landlords that will help make properties energy efficient. The Green Homes Grants will provide homeowners with vouchers to install one or more of the following:

✅solid wall, under-floor, cavity wall or roof insulation ✅air source or ground source heat pump ✅solar thermal

In addition, households may also be able to use their voucher for further energy saving measures. These include one or more of the following: ✅double or triple glazing/secondary glazing, when replacing single glazing ✅upgrading to energy efficient doors ✅hot water tank/appliance tank thermostats/heating controls Government has also announced that home owners will be able to obtain suitable advice on home energy efficiency from Simple Energy Advice (SEA) service. This service will offer guidance what home improvements may be eligible for grants. Households will be also able to check a list of approved TrustMark and MCS registered tradespeople in their local area whom they could engage to do the work. Once the works are agreed, vouchers will start to be issued from the end of September. For more information, please see the link:

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/906544/ghg-additional-information.pdf?fbclid=IwAR16AMMGuR3xCwm1A4DlzlIT6sUWm7gn3Bst0snI935Bp7otG8Z9r6k7EpY

The easiest way to get a mortgage in Covid times

Covid-19 has really shaken all aspects of our life and taking a mortgage may feel like walking through maze these days!

You may easily get lost looking at options and frequently changing lenders' criteria...😕

The rules on mortgages keep changing daily whether it be employment assessment or affordability criteria, the way lenders look at self-employed income, changing interest rates, different rules on deposit amounts and sources that are acceptable - it is really hard to keep up with all this when you are on your own. The last thing you want it to waste your time and nerves and risk being declined by the lender.

But don't worry, we can minimise the risk and eliminate all the stress and frustration by finding the most suitable deal for you.🧐

We speak to lenders daily and get their updates so you will have the peace of mind and enjoy the excitement of your new home👨‍👩‍👧‍👦🏡

Speak to us - we will take you step by step on your home ownership journey.