“You’re not like a normal advisor, you’re like a mate who knows this sort of stuff”.

Posted by & filed under Estate Agents, Finance, First Time Buyer, House Hunting, Life Insurance, Mortgage, Moving Experience, Property Purchase.

Every now and again somebody will say something to you, possibly as a passing comment that will really stick. That comment may even become your very own ‘Sliding Doors moment’, something that you refer back to, and a memory that impacts considerably upon decisions in the future. This is the story of one of mine…. Read more »

The Help to Buy ISA – Is it the pot of gold at the end of the rainbow?

Posted by & filed under Estate Agents, Finance, First Time Buyer, House Hunting, Housing, Mortgage, Moving Experience, Politics, Property Purchase, Property Search.

The 1st of December is usually all about the Advent Calendar, and thinking of getting decorations down from the loft, but this year it is also notable as the date that the Government’s Help to Buy ISA scheme came into effect. First time buyers can, from today, start opening accounts that will allow them to save… Read more »

All mortgage lenders are basically the same … aren’t they??

Posted by & filed under First Time Buyer, House Hunting, Mortgage, Moving Experience, Property Purchase.

At Moving Experience we’re often frustrated by the “computer says no” mentality of some lenders when it comes to assessing mortgage applications. We regularly see that it can be difficult to place (what should be) great cases, for lovely clients. Our job as advisors is to fully understand your personal circumstances and needs, and find… Read more »

6 questions to ask about ‘Getting a Foot on the Property Ladder’

Posted by & filed under First Time Buyer, House Hunting, Mortgage, Property Purchase, Property Search.

I often hear this phrase used quite glibly, not just by the media but also by potential clients. It makes it sounds so easy to buy your first house and “get a foot on the property ladder”. However, in practical terms, for some first time buyer situations it might not be so simple. Property is… Read more »

Mortgage Hunting – Who do you talk to? What do you need to know? How do you find advice?

Posted by & filed under Estate Agents, Finance, First Time Buyer, Mortgage, Property Purchase.

It was reported earlier this week1 that The Financial Conduct Authority (FCA) has fined The Royal Bank of Scotland and NatWest £14,474,600 for serious failings in their advised mortgage sales business. This amount includes a 30% discount for an ‘early stage settlement’, otherwise the fine could have been in excess of £20,000,000. This article got… Read more »