What Happens if my Home is Repossessed?

If you fall badly behind with your mortgage repayments, your lender can repossess your home and sell it. Obviously, your first concern will be finding somewhere else to live. But the nightmare won’t end there. Once you get back on your feet, it may be several years before you can persuade a mainstream mortgage lender […]

The Mortgage Code

Until the Financial Services Authority took over regulation of mortgage brokers the only thing to really guarantee any consumer confidence was a voluntary, informal system of regulation by firms involved with mortgages called the Mortgage Code. It involved a pledge to protect the UK mortgage buyer by explaining all the relevant issues etc. It was […]

Free Guide to Investigating Your Chosen Location

We have prepared a free guide on how you can get all the facts and figures on the area you’re thinking about moving to. Give us your details below and we’ll email this to you immediately. Please note we are registered under the Data Protection Actof 1998. The information you give here will be treated […]

Property Price Indexes in the UK

How Are House Price Indices Useful To Me?   Let’s clear up any confusion straight away. House price indices won’t tell you how much your home is worth. There are too many things that make your house unique – here are a few examples: • Its exact location – how desirable is your town, village or street? […]

UK House Price Charts

Why are they all different? There is one good reason why every house price index gives different results – they all use different data and do different things with it! The problem is that they aren’t always very up front about this – so here’s our insider’s guide to house price indexes. We’ll help you […]

Understanding House Price Indices / Indexes

What Can You Really Learn From Them? Hardly a day goes by when house prices aren’t in the news. Whether they are rising, falling or not changing at all, there seems to be an unlimited supply of ‘facts’ about house prices. Sometimes, it’s hard to tell what to believe or what it means to you. […]

Your Home Buying Costs Summary

Contents   Home Buying Costs The Deposit Conveyancing Costs Stamp Duty The Valuation and Survey Costs Mortgage Lender’s Application Fee Land Registry / Local Authority Search Fees   Insurance Costs Mortgage Indemnity Insurance Buildings and Contents Insurance Mortgage Payment Protection Insurance   Moving In Costs Furnishing, Re decorating etc Moving in / Removal Running costs […]

Guide to Researching Your Chosen Location – UK

Find out how to research the area you’re thinking about moving to.How to get all the facts and figures on the area.We summarise what you need to look out for and then give you useful sources of information.   What to look out for Environmental factors Where to get the information   WHAT TO LOOK […]

Value Added Homes

Property developers specialise in buying and converting a house or flat to maximise its value. Typical examples would be anything from a tasteful redecoration to adding an extra bathroom – which definitely adds to the value (though oddly, loft extensions don’t). You will be sold on a home by your initial first impressions. So clever […]

Don’t Overpay For Being Almost Trendy

Exactly where you choose to live to can make a huge difference to what you pay. Within an area like London, a house in trendy Islington will cost two or three times more than its neighbouring boroughs. Be careful of buying somewhere near a trendy area which ain’t actually in it. There is a theory […]