Category: Will And Estate Planning

The Coronavirus & Your Mortgage? Struggling to Pay Your Mortgage?

Many are worried about the UK impact of the coronavirus on their ability to pay their mortgage. Most banks in Britain should offer those struggling a three-month ‘holiday. We answer some of the most common asked questions about mortgages and how they are affected by the coronavirus.  Are you struggling or looking for a new… Read more »

A No-Nonsense Guide of Special Features for Mortgages in Britain

Mortgage Advice Services understand there are so many mortgage deals on the market, it can be difficult to know which one would best suit your needs.  To help demystify this big decision, we have written no-nonsense articles about various mortgage types and features. In this article we explore examples of important special features for mortgages in… Read more »

Fixed or Variable?  Your No-Nonsense Guide to Mortgage Rates

Mortgage Advice Services understand that choosing which type of mortgage would best suit your personal circumstances is a really big decision, and one of the most important decisions to make is what kind of interest rate option would suit you best? There are lots of different types of deal available, but they are roughly divided… Read more »

Can Paying More mean Paying Less? Overpaying Your Mortgage?

Still wondering when to overpay? If you’re overpaying your mortgage, you don’t just get the advantage of paying interest on a smaller amount of debt. Overpaying also means your loan to value ratio falls faster. And if your LTV falls, it means when it comes to remortgaging, you may be able to get a cheaper… Read more »

Avoiding Bog-Standard Variable Rates; Remortgaging after Introductory Deals Expire

Many of the most attractive mortgage packages only last a short amount of time; often two, three or five years, after which homeowners are typically moved to their lender’s standard variable rate (SVR) unless you remortgage onto another deal. How do SVRs work? SVRs are a type of variable-rate mortgage where payments can go up… Read more »

Need to Borrow More Money? Equity, or Not Equity, that is the Question.

Are you struggling to decide if borrowing more money or holding on to your equity is the best choice today? According to recent figures published by UK Finance, many homeowners are borrowing more money when they move to another mortgage deal.  Cited by the consumers’ association Which?, UK Finance’s data indicates a 9% year on… Read more »

Answers to Help You Evade the Top Mistakes We Make when Choosing Life Insurance

Getting the right life insurance product can seem baffling. But the secret to getting a watertight policy doesn’t have to be complicated. It’s a question of taking a look at your circumstances and understanding your product choices. Here we’ll set out what you should – and shouldn’t – do. Mistake 1: Choosing the Wrong Type… Read more »

This is How You Can Pare Down the Cost of Your Contents Insurance Today!

Contents insurance covers you for loss, theft or damage of any item in your home that’s not part of the structure or the building. That could be your TV, your sofa, your computer or your clothing, for example. It’s not a legal requirement to have contents insurance as it is with motor insurance. But if… Read more »

How to Get the Best Value Buildings Insurance Deal

Home and buildings insurance is an essential you can easily pay over the odds for if you don’t understand exactly what you’re buying. The term ‘home insurance’ tends to be used as a catch-all for these three types of different cover: Buildings insurance: this covers the cost of rebuilding your property, and the repair or… Read more »