35 Year Mortgages – Can You Afford Not to Have One?

One in four first time buyers are taking out a mortgage that will last 35 years or more. Claire Miller, writing for the The Mirror, reports this week on a phenomenon, which could see borrowers in mortgage debt all their working lives and possibly well into their 70s. Read more

Ten Minute Mortgages for the Self-Employed

If you’re self-employed, you may be reeling a little from the changes in your tax fortunes as last week’s budget rise in national insurance contributions for the self-employed was reversed this week. Read more

Kick the Pizza Habit & Pass the Mortgage Stress Test

It’s February, it’s miserable, the days are getting a wee bit longer, but not much. It’s time to think about holidays, get something in the diary to look forward to. And most of the planning is great. City break, ski, beach or an adventure? But, its not all fun in the sun. Once we start signing on the line, we are simultaneously worst-case scenario planning. We take out insurance in case we’re ill and have to cancel, in case we break a leg, in case we lose all our luggage and have to improvise a new holiday wardrobe, in case we get food poisoning and have to fly home early. We take contingency planning very seriously – even if it is only a quick flip to France. Read more

No More Playing the Blues, Siri, We have the Mortgage Process Down to Ten Minutes

Siri, it seems, knows everything. When I checked in with her this morning she offered to report how the FTSE is doing, find my meeting notes, play some blues and remind me about my wife’s birthday. Read more