Mortgage and Associated Costs - Mortgages Derby Broker

Mortgage Costs
When you are taking out a mortgage, whether it be your first, a remortgage, or a new mortgage, there will be costs that need to be properly and realistically taken into consideration before beginning the process.
This blog will outline the costs usually involved in the mortgaging of a property; however, this is generalised. Costs will vary from person to person, depending on individual circumstances, the route you take and what mortgage product you choose to apply for. Speaking to an adviser can be highly beneficial in order to map out your mortgage journey and see what costs you will face. Call us today on 0333 320 8658 to begin your mortgage plan!

Hopefully the following will give you an idea of what to expect:
•    Broker Fees – if you go through a mortgage adviser, you will likely be charged a fee. This will vary depending on your individual case and the complexity of the products. Most brokers will not charge you in full if your mortgage cannot be carried out though will likely charge an initial fee for their help in the first place. Contact us at View Finance today to find out how much your broker fee could be!

Home Movers Mortgages Bad Credit Broker

Moving home can be one of the most exciting and great times of your life, however it can also be one of the most stressful. You might think you don’t need to bother with an adviser or the help that a First Time Buyer may need as you have already done the process before; but the market is ever changing. It can be just as confusing and difficult second, even third time around. 
Hopefully this blog can provide some helpful information and tips for moving house, and then if you are interested in learning more, or need an adviser to help you move, you can call us today on 0333 320 8658.

To begin with, you will have to decide what you are going to do with your current mortgage. 

Bad Credit - Low credit score Mortgages Broker Derby

Bad Credit Mortgages – Low Credit Score
What is a credit score?
A credit score is a number generated by a mathematical model that represents your credit history. Lenders will use your credit report and any other financial information provided on your application to generate this score. Your score will then be used to determine whether or not you will qualify for a loan – in this case a mortgage. The score is used as an idea of the likelihood of you paying back the loan. 
Your credit score can be affected by a number of things. These include:
-    The amount of available credit you are using
-    The total amount of debts you have
-    Your historical credit account payments/repayments

AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS.  THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. View Finance Ltd is an Appointed Representative of Finance Advice Group Ltd, which is authorised and regulated by the Financial Conduct Authority under number 624517 in respect of mortgage, insurance and consumer credit mediation activities only. The Financial Conduct Authority does not regulate some form of mortgages and loans, including most types of Buy to let mortgages and also Limited Company lending. The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK. Registered office address: 42 Friar Gate, Derby, DE1 1DA. Registered in England and Wales, company number 11265177.

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