The latest from John
House Survey: What Homebuyers Need to Know
If you’re buying a new home, you probably want to know exactly what you’re buying. Fortunately, professional surveyors can inspect the property as part of a homebuyers report. We explain…
House Removals – Everything you Need to Know
House removals can ease the stress of moving house by handling the heavy lifting for you. Several factors, such as distance, the services needed and the number of items, determine…
Want to Know What a House is Worth? Get a House Valuation
Whether you’re remortgaging, buying, selling, or applying for a mortgage, a house valuation is a critical tool to ensure you know the correct price of a property. House valuations can…
Conveyancing Fees: The Cost When Buying and Selling
Conveyancers transfer the ownership of a property from one party to another, and you will need one when buying or selling a home. A few common conveyancing fees include land…
Selling a House With a Mortgage: Key Things to Know
Proceeds from the sale of your house often go toward your new home. Find out what’s involved and what you may need to consider.
Fixed-Rate Mortgages: Peace of Mind Over Your Repayments
With a fixed-rate mortgage your interest rate, and therefore your monthly repayments, will stay the same for the duration of the period you’ve chosen to fix. Most fixed-rate mortgages are…
Discount Mortgages: Is a Lower Rate Worth the Risks?
A discount rate mortgage tracks a lender's standard variable rate, but at a discount. There are pros and cons to this sort of loan.
Breaking Down Your Completion Statement
A completion statement is effectively the bill for the purchase of a property, laying out what you need to pay.
What’s Involved in an Exchange of Contracts?
Near the end of a property transaction, both parties sign contracts detailing what is expected and it’s at this stage that they commit to go through with the agreement.
Mortgage Advice: Do I Need a Mortgage Broker?
The job of a mortgage adviser or broker is to help you find the best mortgage for your circumstances and needs. They may also apply for the mortgage and take…
Lifetime ISA: Bonus on Savings for a Home or Retirement
If you’re aged 18 to 40, you can open a lifetime ISA (LISA) and earn a 25% annual bonus on up to £4,000 in savings, until you’re 50.
What Does Loan-to-Value (LTV) Mean for a Mortgage?
The loan-to-value (LTV) ratio is your mortgage amount expressed as a percentage of the current value of the property being bought or remortgaged. The bigger your deposit or the equity…