Why Your Credit Report Is Useful Before Applying For A Mortgage

Why Your Credit Report Is Useful Before Applying For A Mortgage

Why is a Credit Report Required? Many mortgage advisers including myself ask to see a full credit report before starting the research and submitting an application. There are two main reason for this; First is to check your current credit status. The second is to confirm all the credit commitments you have. By having the […]

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The Help to Buy: Equity Loan Scheme

The Help to Buy: equity loan scheme is a Government backed programme designed to help those who have a smaller deposit buy a newly built home in England. The scheme is managed by the Homes and Communities Agency (known as Homes England) who are the national housing regeneration agency for England. You still own 100% of […]

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Self Assessments and how to obtain them

What are Self Assessments? If you are self employed you will need HMRC self assessments (SA302 &  Tax Overview) from HMRC as acceptable proof of income with most mortgage lenders. This is a requirement of the Financial Conduct Authority but doesn’t need to cause any delays if you have these ready. Some lenders would like […]

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