Key To Mortgages – I don’t know about you, but I’ve been reading some very contradictory news about the UK’s property market currently. On the one hand, we have establishments such as the Financial Times predicting that house prices are forecast to fall under a no-deal Brexit. Elsewhere, figures are pointing to annual price growths as the demand for housing keeps pace with supply. If we focus on Bournemouth in particular, there is some data that points to a slowing market. Looking at the statistics from Zoopla, there have been approximately 574 overall property sales in the last six months. Th ..read more

Buy To let Mortgage Broker Bournemouth | Hi, I am Peter a Bournemouth mortgage broker and over the 20 something years I have been working in financial services, the term ‘re-mortgage’ has and continues to cause confusion. What is a re-mortgage? The biggest misconception is that to re-mortgage means to re-finance your debt due to financial hardship. Re-mortgaging is also associated with meeting the cost of building work which is spiraling out of control. Whilst re-mortgaging can be used for these reasons, It is rarely the case. I recently completed a re-mortgage which saved a client £308.00 per ..read more

Key To Mortgages – The COVID-19 outbreak is having a huge impact on people’s livelihoods across the globe. As a Bournemouth Mortgage Broker, I see local Businesses are suffering, with sectors such as retail, leisure and hospitality at a complete standstill. Thousands have lost their jobs, and their lives, to the disease, leaving their families facing an uncertain future. The government has announced hundreds of billions of pounds of financial support to help people keep their jobs and a roof over their heads. But many are ineligible for support; for others, it has come too late to save their j ..read more

* Is It for me? Before taking the leap, consider all the factors surrounding buy to let and becoming a landlord. Consider how you will maintain the mortgage repayments should the property remain vacant for any length of time. Will your income support both your own mortgage and the buy to let mortgage? Consider the costs, not only the purchase costs but also the ongoing costs of owning and maintaining a buy to let property. We suggest you speak to an experienced landlord who will be able to highlight both the positives and negatives, and of course us, your friendly recommended Bournemouth Mortg ..read more

For expert advice on all mortgage related matters call, email text or message to start a conversation. 01202 – 521000 07747782737 peter@keytomortgages.com http://www.keytomortgages.com P.S I am afraid of ghost’s and I’m not a ghost buster Key To Mortgages ..read more

How long does it take? Key To Mortgages | This is probably the most asked question I get! So, the most important stage is getting your mortgage approved and this can take as little as 24 hours. The important thing to understand is that the lender has a three-stage approval process. Key To Mortgages Stage one — An agreement in principle. This is a decision based solely on the information submitted to the lender and information they can obtain through the various credit reference agencies. No documentation such as payslip’s tax Return’s or bank statement are submitted at this stage, hence the te ..read more

Key To Mortgages | Just straight forward, easy to understand, well explained mortgage advice in the comfort of your own home. Key To Mortgages For expert advice on all mortgage related matters call, email text or message to start a conversation and put a plan in to action. I love it when a plan comes together! 01202–521000 07747782737 peter@keytomortgages.com www.keytomortgages.com ..read more

Key To MortgagesBroker Vs Lender Direct | Key To Mortgages Here at Key To Mortgages we are truly passionate about helping people throughout their journey to own their dream home, buy their first investment property, expand their existing property portfolio and protect what’s important to them. As a Bournemouth based mortgage and protection adviser, I, Peter Morgan have been advising and working in financial services for over 20 years. Since then I have been helping people buy property by advising on and arranging their mortgage and associated protection needs. I have been successful in helpin ..read more

There are two options when re-mortgaging Either stay with your current lender or switch to a new lender who’s offering a better deal. You can complete this yourself or use a broker like me to find you the best deal. Later in this article, I’ll compare going direct vs using a broker but for now, let’s have a look at the two lender options.Your current lender may offer you a new deal, provided you are out of your current commitment period on your existing mortgage. Lenders refer to these as retention or product transfer deals. Your lender is most likely to offer you multiple options such as fix ..read more

Key To Mortgages : Put simply, your personal circumstances can change significantly over the term of a mortgage, and therefore it’s important to review all aspects of your mortgage, not just the interest rate. We change jobs, our income increases and decrease, we take employment breaks for various reasons such as time to raise children, time off due to illness or because we decide to travel the world for a period. We may re-locate for work, meet a new partner who we want to move in with and add to the mortgage, marry, start a family, divorce the list goes on and on. In my experience, those who ..read more