Buying a home is more than just picking the perfect property; it involves a legal process that requires expertise in property law and transactions. This is where conveyancers come into play. These specialists in property law ensure that the legal transfer of property from one person to another is carried out smoothly and correctly. Understanding their role can provide clarity and confidence as you proceed...
Home staging is a vital strategy in the home-selling process, transforming your living space into a buyer's dream. It's more than just tidying up and decorating; it's about creating an environment where potential buyers can imagine themselves living. A well-presented home often sells quicker and for a better price. Here’s how to stage your home effectively for a successful sale.1. Neutralise and...
This December, the festive season is set to sparkle with a unique and heartwarming event that promises to be a highlight of your Christmas celebrations. The Muppets Christmas Carol In Concert is coming to town, and it’s bringing a live orchestra to The Brighton Centre on December 12th.Imagine the magic of Kermit, Miss Piggy, and Rizzo the Rat gracing the big screen, while a live orchestra fills the air...
Brighton’s vibrant culinary scene is buzzing with excitement as the beloved Curry Leaf Cafe celebrates a decade of serving delectable South Indian street food in The Lanes. Nestled on Ship Street, this independent gem has become a local favourite, and to mark this milestone, they’re launching an innovative new menu under the brand Bombay Burger Club.Initially a hit on Deliveroo, the Bombay Burger...
Renovating a rental property can be a game-changer in the competitive rental market. Thoughtful updates not only enhance the property’s appeal but can also significantly increase its rental value. For landlords considering a renovation, here are some strategic tips to maximise the impact of your investment. Focus on Key Areas: Concentrate your renovation efforts on areas that make the biggest difference...
Buying a home in a seller's market, where demand outstrips supply, can be quite the challenge. In such conditions, buyers often find themselves vying for a limited number of properties, which leads to higher prices and quicker sales. However, with the right approach, you can still find and secure your ideal home. Here’s how to succeed in a seller’s market. 1. Obtain Mortgage Pre-Approval In a...
Selling a home can be challenging, particularly when interest rates are on the move. Grasping how these rates affect your selling experience is essential for making savvy decisions. Here’s a look at how interest rates can shape your home-selling journey.1. Buyer Affordability and DemandInterest rates significantly affect buyers' ability to secure mortgages. When rates are high, the cost of borrowing...
Brighton & Hove residents, rejoice! Four local bakeries have been named among the best in the UK by the prestigious French ranking and restaurant guide, La Liste. The Flour Pot Bakery, Julien Plumart, Real Patisserie in Brighton, and Sugardough in Hove have all earned their spots on this esteemed list.La Liste recently unveiled the 2024 edition of the Pastry Special Awards, highlighting 25 winners...
Brighton & Hove residents, mark your calendars! The Brighton Memory Walk, organised by Alzheimer’s Society, is scheduled for September 29 at Hove Lawns. This inspiring event aims to raise funds and awareness for dementia, a condition impacting countless lives across the UK.Last year, the walk attracted thousands of participants and raised over £116,000. This year, the organisers are aiming for even...
In a competitive rental market, effective advertising can make a significant difference in attracting the right tenants swiftly. As a landlord, your aim is to present your property in a way that showcases its best features and reaches potential tenants efficiently. Here’s how to create compelling advertisements for your rental properties that stand out.Top-Quality Photos and VideosFirst impressions are...
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Finding a mortgage
Buying a house is a massive investment and getting it just slightly wrong can be costly. Unless you have big savings, chances are you’re going to have to get a mortgage. It’s a loan secured against the property which means if you can’t meet the repayments the lender may repossess your home and sell it to get their money back.
The better you understand mortgages and everything to do with them, the better armed you will be to get the very best deal. With MMR in place, you’ll need to review your finances themselves before approaching possible lenders to see whether you can afford the monthly payments now and if interest rates go up, which they will…
What is MMR?
When it comes to finding a mortgage you have several options: mortgage brokers, individual banks or searching online. Again, it’s important to do your research. Searching online first, gives you a good idea of what’s available, but an independent mortgage broker can provide a more in-depth search and help you through the process. Being independent holds great value as they are not bias to any particular lenders or deals, they will give you their honest opinion and take away the stress of working your way through the mortgage market, they work for you to find you the best package to suit your requirements.
For more information on the current mortgage rules and deals, contact your local branch today to arrange an appointment.
View your future home or get your instant valuation using the latest video calling technology and the expertise of our agents. Don’t delay the deal: get an accurate and fast valuation done today.
