Christmas Quiz

All work and no play makes Jack a dull boy…. How about a little Christmas quiz just for fun?!  Just click the link! Christmas Quiz – Questions Once you have finished, here are the answers! Enjoy! Christmas Quiz

Submitting a Mortgage Application

When submitting a mortgage application, each lender will have minimum ‘packaging’ requirements. This basically means there will be a minimum number of documents they will need to see before they will consider placing your case in front of an underwriter. One of the documents a lender will always ask for is a bank statement. With…

The Mortgage Process

Applying for a mortgage can be a fairly daunting process, especially if you are a first time buyer. Whilst a mortgage broker can help to alleviate some of the stress by handling matters on your behalf, it’s only natural to want to feel as though you still have control. By understanding exactly how the mortgage…

Self Employed Mortgage Applications

We receive a lot of enquiries from self-employed customers who aren’t sure whether they are able to apply for a mortgage. It might because they only have one year of accounts or it could be because their income can vary considerably from month-to-month and is quite difficult to prove. Self employed mortgage applications are more…

Who are Fresh Financial Consultants?

I was recently having lunch with a friend and we were having a conversation about work. To my surprise, my friend said to me ‘do you know what, I actually don’t know what you do!’. So, for the benefit of my good friend and for anyone who might be reading, we are Fresh Financial Consultants…

Digital Mortgages by Atom Bank!

We are pleased to announce that another new lender is available through us with immediate effect. Digital Mortgages by Atom Bank is the UK’s first app-based bank, a technology led lender with no branches. They have an innovative new approach to banking and mortgage lending with the objective of making things straight forward, personal, great…

What is a Second Charge Mortgage?

Looking to raise capital? Is a second charge mortgage right for me? If you are looking to release equity from your property to complete home improvements, consolidate debt, buy a new car or even a second home a second mortgage could be an option for you. Second charge mortgages have improved over the years and…

Should I review my Mortgage?

One of the biggest expenses in most people’s lives is their mortgage, yet it’s one of the things that we review least of all. We all review our car insurance each year so why not review your mortgage? It’s surprising how some people remain on their lenders standard variable rate (SVR) for years after the…

Expect the Unexpected with Life Insurance

I don’t know about anyone else, but I recently made a claim for missold PPI (payment protection insurance). Luckily, writing letters is something I quite enjoy doing so I took on the task of reclaiming my money myself. It was actually quite easy. My first PPI policy was ‘given’ to me when I took out…