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How To Improve Your Mortgage Affordability

With affordability tests being revised in the wake of the cost-of-living crisis currently happening in the UK, many prospective buyers are looking for ways to improve their chances at securing the best possible mortgage for them.

With house prices still at a high, improving your affordability can be a great way of increasing your chances of securing a mortgage – especially for first time buyers looking to raise a deposit for their first home. Here, we take a look at the most effective ways you can improve your affordability.

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Pension and Retirement Planning

In this current climate of high inflation, low interest rates and volatile market conditions, it is more important now than ever to make sure we are making the most of our hard earned cash. There are things we can all do to ensure our pension savings are working as hard as possible for us, and that we take advantage of the tax breaks available.

In this month’s blog we look at pensions and retirement planning and taking you through the steps of ensuring your goals and plans for the later years are given the best chance possible of being achieved.

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Investing versus leaving your cash in a savings account…

There are billions of pounds, currently, sat in bank and building society accounts earning nothing or very little and this has been the case for a number of years. Although these will not fall in value they can very much be eaten away by inflation.

Although emergency cash is very important to cover any unforeseen costs or a period of unemployment the amount that is available to deal with these situations is, for the most part, much more than is needed. 

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Reviewing Your Buy To Let Mortgage

With interest rates still at low levels and demand for rental properties increasing around the country, investing in a buy to let is a popular choice for many.

Many fixed buy to let mortgage deals will be approaching the end of their term in the first quarter of 2022, so it’s a good idea to review your buy to let mortgage.

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First Time Buyers: What Are The Options?

2021 has seen some welcome good news in the first-time buyer market, with mortgage affordability for people buying their first home improving by 20% since the turn of the year according to Mortgage Broker Tools’ latest index. We take a look at some of the newer options available to first-time buyers that can help to get you on the property ladder.

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