Case Study – Obtaining a mortgage with a bad credit rating

Case Study – Obtaining a mortgage with a bad credit rating Customer’s initial enquiry  I first spoke to my customer on the 8th June 2020, he had fallen on hard times and this had affected his credit file. Resulting in 11 defaults, 6 late or missed payments and a missed mortgage payment along with 11 […]

Self-Employed Update

Self-Employed Mortgages – Lending Criteria and Grants Update October 2021 Jodi Spreadbury joins the Mortgage and Protection Podcast to bring us an update on the recent changes made to lending Criteria and Grants for the Self-Employed. Can Self-Employed people get a mortgage? Absolutely, they can. With Self-Employed applicants, it’s always been case by case as […]

Case Study – Returning to the UK and purchasing a property

Customer’s initial enquiry My client had been living overseas for 9 years and, after 2 months of being back in the UK, he wanted to purchase a property. He contacted The Mortgage Broker for advice as he was concerned about his credit score as he had been out of the UK for so long. The […]

Mortgage Protection Podcast Episode Five

Waiver of Premium In the last of The Mortgage Broker Ltd mini protection episode series, Matt Cotter discusses Waiver of Premium, including:  What this means and how it covers you Why this is important and why you might need it Timeframe  The costs involved How a Mortgage Broker can help

Mortgage Protection Podcast Episode Four

Total and Permanent Disability Cover Matt Cotter, Mortgage Protection Adviser at The Mortgage Broker Ltd discusses Total and Permanent Disability Cover, in the next episode of our mini series, including: What this is and what this covers What qualifies as permanent and total disability How this is proved How this works with other policies Budget […]

Mortgage Protection Podcast Episode Three

Income Protection  In the third episode of our mini mortgage protection episodes, Matt Cotter returns to cover income protection, including: What this is and how it can help if you have an illness or injury that prevents you from working The difference between this and other policies The reason for getting income protection Budget How […]

Mortgage Protection Podcast Episode Two

Critical Illness Matt Cotter from The Mortgage Broker Ltd talks us through critical illness cover in episode two of our mini mortgage protection episodes, including: What this is and how this type of protection differs from life insurance What is covered by the protection Eligibility Combining policies Budget How a Mortgage Broker can help

Mortgage Protection Podcast Episode One

Life Insurance  Matt Cotter from The Mortgage Broker Ltd discusses life insurance in the first of five mini, mortgage protection episodes, including: What this is and why this is so important for you and your family Eligibility Quantity and timeframe of the policy Budget How a Mortgage Broker can help

Getting a mortgage when furloughed

Getting a mortgage when furloughed The furlough scheme, or to give it its official name, the Coronavirus Job Retention Scheme has been a huge part of the government’s support package to help people get through the pandemic over the last 12 months.  It has meant the government has picked up the tab for 80% of […]

Adverse Credit Blog

I have adverse credit and a small deposit – can I still get a mortgage?  The pandemic hasn’t done much to slow down house price growth in the UK. Indeed, according to the latest house price index from Nationwide Building Society, prices have grown 5.7% over the last year, taking the average property price to […]