Are you looking to buy a property with someone else and need to apply for a mortgage? If so, then taking out a joint mortgage may be a great option for you. Buying a property with your partner, a family member or even a friend and applying for a joint...
Mortgage and Self-Employed: How Does It Work?
Are you running your own business and want to get on the property ladder? We understand that being self-employed puts you in a unique position, your income may vary, making it difficult to get a mortgage with most traditional lenders. Truth be told, without a contract of employment or regular...
Credit Score and Mortgage Application: What You Need To Know
When you make an application for a mortgage, lenders work out a credit score for you to decide whether to lend to you or not. In other words, they are trying to determine how much of a risk you represent. The higher you score, the lower risky you are and...
Can Foreign Nationals Get a Mortgage in Scotland Post Brexit?
It can be difficult getting a mortgage if you're a non-UK citizen, resident and/or if you receive your salary in a foreign currency. The first thing to remember is that you can get a mortgage in the UK even if you’re not a UK citizen. It’s not about where you...
Financing Your Funeral With Your Life Insurance
If you are young, fit, and healthy – life insurance would typically be the last thing on your mind, however, you must plan. Such insurance can protect your loved ones from rising funeral costs, should you pass away within the policy term. Since 2004, the average funeral costs have risen...
Where Are The Most Affordable Areas in the Central Belt?
Do you, like many others, feel the urge to buy your own home, but are struggling to find a new home on a tight budget? It may be worth reconsidering your location. For most of us, it is now possible to work from home, and having access to nature and...