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…


Why Should I use a Mortgage Broker?

With the fast evolving ‘online shopping’ experience, you might ask yourself ‘why would I bother using a mortgage broker when I can compare deals myself on the internet?’ Since April 2014, following the Mortgage Market Review, getting a mortgage has become rather more complex. Lenders are required to be extra vigilant when assessing new applications…


Tips for improving your Credit Score

‘Help! My bank has declined my mortgage because of my poor credit score’. As mortgage brokers, this is something we hear all too often. Following the City regulator’s Mortgage Market Review (MMR), lenders are required to be more vigilant when checking a borrower’s spending habits and credit history. There are many ways to prevent your…



Your property may be repossessed if you do not keep up repayments on your mortgage.

This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.