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How Long Does a Mortgage Application Take?

Discover the typical timeline for a mortgage application, from pre-approval to disbursement, and learn about the key stages and factors that influence the process.

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Self-Employed Mortgages: A Guide to Securing Your Home

Self-employed mortgage guide: Requirements, options & tips to improve approval odds. Learn how to prove income stability, boost credit score & find suitable lenders.

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Understanding Mortgage Underwriting: A Homebuyer's Guide

Boost your mortgage understanding with our guide to underwriting. Learn key factors lenders consider and how to improve approval odds for your home loan application.

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Mortgage Mis-Selling: Understanding Your Rights and Claims

Learn about mortgage mis-selling practices, signs to watch out for, and steps to take if you've been a victim. Protect your financial interests and seek compensation.

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Comprehensive Guide to Mortgage Servicing: Roles and Responsibilities

Discover the role of mortgage servicers, their responsibilities, and the importance of effective communication throughout the mortgage servicing process. Learn how to navigate your mortgage journey successfully.

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Understanding Mortgage Default and Repossession

Understand the mortgage default and repossession process, potential consequences, and strategies to avoid repossession, including seeking help from counseling agencies.

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Understanding the Debt-to-Income Ratio (DTI) for Mortgages

Discover the importance of the Debt-to-Income (DTI) ratio in securing a mortgage. Learn how to calculate your DTI, understand lenders' expectations, and improve your ratio for better approval chances.

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The Role of Surveys and Valuations in the Mortgage Process

Understand the key differences between mortgage valuations and surveys. Learn about the types of surveys, costs, benefits of using RICS surveyors, and factors considered during valuations.

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A Guide to Mortgage Stress Tests for Borrowers

Understanding mortgage stress tests is important for prospective homebuyers. In simple terms, a mortgage stress test is a regulatory requirement for a lender to assess a borrower's ability to maintain mortgage payments in the event of interest rate increases. 

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The Difference between Home Equity Loans and HELOCs

Explore the differences between home equity loans and HELOCs in the UK, and learn how to leverage your home's equity to access funds for your financial needs, from home improvements to debt consolidation and more.

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How Rising Inflation Can Impact Your Mortgage

Rising inflation can have a powerful impact on the housing market, leaving a mark on mortgage interest rates, and on the financial wellbeing of homeowners and prospective buyers alike.

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Understanding Mortgage Closing Documents

A mortgage closing, also known as completion, is the final step in the process of buying a home with a mortgage. This is when the legal transfer of the property from the seller to the buyer is finalised. The process involves several steps.

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What is a Mortgage Indemnity Guarantee?

A Mortgage Indemnity Guarantee (MIG) is a type of insurance policy that lenders require borrowers to take out in certain circumstances. Typically, it is associated with mortgages with loan-to-value (LTV) ratios of greater than 75% where lenders are seeking additional security.

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A Guide to Portable Mortgages

The decision to move to a new property can be both exciting and daunting. While the prospect of a fresh start is thrilling, the idea of once again going through the whole process of obtaining a new mortgage can be unappealing. Portable mortgages offer an alternative. They can potentially enable a smoother transition by allowing you to transfer your existing loan to your new home, while avoiding an early repayment charge and preserving a favourable interest rate.

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Understanding Mortgage Exit Fees

With the excitement of homeownership comes the shock of unexpected costs. Mortgage exit fees can sometimes be one of these. As such, it is important to understand what they are, their potential impact and possible mitigation strategies.

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