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How can I build better credit?
It comes down to having a history of good money management. Here's a few things you can do to boost your credit score: 1. Register to vote at your current address 2. Use…
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Before I start looking at homes to buy, do I need a mortgage approval?
The sensible thing to do is to see a Mortgage Adviser first to go through your finances and work-out how much you can (or would like to) borrow and ensure you can afford the monthly…
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Can I get a mortgage when I am on maternity leave?
It depends. If you are intending to go back to work and your employer confirms your return to work date and salary then this income can be used in the affordability accessment for a…
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How to get the best mortgage deal?
Seek independent advice and try to meet your intended adviser to ensure that you get along because you will have a fairly close working relationship for several weeks. They will have access to all…
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Do I have to pay the asking price of a property or can I barter?
Once you have found your ideal home don’t be scared to make an “offer”. The asking price is just a guide and in certain areas it may be a buyers’ market with many properties…
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Do I have to pay the asking price of a property or can I barter?
Once you have found your ideal home don’t be scared to make an “offer”. The asking price is just a guide and in certain areas it may be a buyers’ market with many properties…
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What fees will I have to pay when I buy a house?
Unfortunately, it's not only the deposit you have to save for there are also fees and some may surprise you. These include: Stamp duty… as in tax paid to the government depending on the value of the…
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How can I improve my chances of getting a mortgage?
Check your credit file to ensure that it is correct and complete. It should contain at least six years address history and your name, current address and date of birth should be correct. If you…
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I am buying a £400,000 home, do I have to pay stamp duty?
When buying a property which costs over £300,000 you have to pay stamp duty to the goverment. For properties up to £500,000, 5% is paid on the portion from £300,001 to £500,000. So on a…