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Nationwide Launches a Game-Changer: A Closer Look at the New 3.64% 2-Year Fixed Mortgage
The UK mortgage market has been on a rollercoaster for the last three years. After a period of...
Mortgages in Retirement
Mortgages in Retirement: What’s Changing and Why It MattersIf you’re already retired—or...
Hodge Bank Breaks Age and Deposit Barriers with New 95% Retirement Mortgage
 In a significant move for the later-life lending market, Hodge Bank has launched a mortgage...
How mortgage brokers make a living
There's always been a misconception regarding mortage advisers and how we are paid. Advantage FS...
The 7x Income Mortgage: Is It Really Possible in the UK?
For anyone trying to get on the property ladder, the golden rule has always been the "4.5x income"...
Why do we need your bank statements if you’re gifting money to someone?
We often hear this question, so you’re not alone! If you’re kindly gifting money for a deposit,...
Borrow MORE with your pension
As mortgage brokers the most common issue we overcome for our clients is affordability. Believe it...
Is debt consolidation on a retirement mortgage right for you?
Debt consolidation on a retirement mortgage, is it right for you?   I’m retired, have a...
FCA ‘disappointed’ by poor advice given by lifetime mortgage advisers
FCA 'disappointed' by poor advice given by lifetime mortgage...
Are mortgage rates set to drop again in late 2023?
Everyone is talking about mortgage rates again: Will They Drop in Late 2023? We asked our Advising...
What are ‘pressure sales’ tactics in the housing market and why does it affect my mortgage decision?
What is ‘conditional selling’ or ‘pressure sales’ tactics in the housing market, and why...
What is going on with inflation in the UK right now, and how does it affect mortgages?
What is going on with inflation in the UK right now? And how does it affect mortgages?  According...
Halifax and others have dropped mortgage rates, so what’s next for the mortgage market?
Mortgage lenders finally decrease rates It’s the news that a lot of prospective mortgage...
Top 5 Mortgage Tips that Make Me Cringe
5 worst mortgage tips that make me cringe and/or throw office stationary around in a mortgage rage....
Are you re-mortgaging now?
Are you re-mortgaging now and (sensibly) reserving a new deal ahead of your current rate ending...
We Are Directly Authorised
We're finally here....after a year long process...we have flown the nest and are now Directly...
Variable or Tracker Products What’s the difference?
I’ve been having more conversations recently with clients about which...
Good news for purchasers as Stamp Duty slashed!
Kwasi Kwarteng has certainly made a strong first impression when announcing his Mini-Budget. In a...
Will house prices drop?
We have definitely noticed the market has begun to slow. A quick search of some of the properties...
What’s a Green Mortgage?
If you’re a prospective homeowner, or just looking to move. You may have noticed the term...
Bank of England to remove Mortgage Affordability Rules – What does this mean?
Following the announcement that the BOE are raising the base rate to 1.25%, there has also been...
Mortgage Hacks Episode 1 – ‘To Repay Or Not To Repay (Debts)’?
https://youtu.be/T3U2uzJhGuk
Blame Swap rates
By Tom CollierIf you’ve been keeping an eye on mortgage rates lately you will have seen them...
The clock is ticking on the government Help To Buy Scheme
The Help-to-Buy ISA has been closed to new applicants since 2019, and another popular home-buying...
Coventry Building Society thinks totally outside of the box for self employed client
https://youtu.be/qvNUaoSsvf4
How well does Compare the Market’s mortgage search feature perform?
https://youtu.be/uiWFnSKsNKM
Tackling cost of living
This week it was reported in the press that the cost living rate of increase is currently at a 40...
Rates on the rise… BIG TIME.
You have probably read any number of articles over the last few months warning of rate rises....
7 times income is now available
Yes, the title is correct. It is now possible to borrow 7 times your income when borrowing for a...
First Time Buyer Mortgage Hacks
  How to buy a house with ZERO (that’s right ZERO) or low deposit.  A common...
Inflation… Damn that’s high!
One of the top stories in today’s news is our record-high rate of inflation. Just posted at 4.8%...
Self-Employed? January is tax return time!
If you’re self-employed then you have until the end of January to submit your online return....
Bank of England Rate Rise: What does this mean for you and your mortgage payments?
The Bank of England has increased interest rates from 0.10% to 0.25% in an attempt to tackle rising...
Avoid a declined re-mortgage in 2022…
If you are reading this, I am guessing your mortgage rate will be ending in 2022. If market...
House prices predicted to continue to rise in 2022
Rightmove has released predictions for house price movements in 2022. It makes for some interesting...
Mortgage agreement in principle declined?
Have you had a mortgage agreement in principle declined? DId you get an initial 'yes' which...
Reviews on the rise!
Word of mouth is a particularly important source of business for us here at Advantage FS. We...
Bank of England holds interest rates
Bank of England holds interest rates The Bank of England (BoE) has held its base rate at 0.1%...
5 Self Employed Mortgage Hacks
If you are self employed and looking for a mortgage you will have almost certainly been told...
Could greener homes lead to tax savings…
The Green Finance Institute is the UK’s leading interface between the public and private...
When will mortgage interest rates rise, and what does it mean for you?
Mortgage Interest Rates Set to Rise – What does this mean for you?At Advantage we have...
HSBC extend Buy to Let to mortgage brokers
Not all brokers are fortunate enough to have access to HSBC’s mortgage range. Thankfully we do....
Platform release 1% Buy to Let mortgage rate
Platform, which is part of the Co-operative Bank, has released a Buy to Let 2-year fixed rate at...
EPC Certificates – Mortgage Lenders offering better products for “green” properties
Within the mortgage market, there is a growing spotlight on the environmental impact of properties....
Buy to Let Shake Up!
According to a survey undertaken by thisismoney.co.uk the demand for rental properties is the...
A New Low…
As the UK continues to emerge from the pandemic, lenders are vying for position at the top of the...
Higher Mortgage Income Multiples
Stretching exercises...Bagging your dream home with higher mortgage income multiplesWe are...
Mortgages for CIS workers in their first year
The Construction Industry Scheme (CIS) has simplified the way that contractors and sub-contractors...
Advantage FS teams up with John Lewis Cribbs Causeway
This week Advantage FS become a partner of the Cribbs Causeway John Lewis Store. The partnership...
Blowing our own trumpet…
In July 2021 Advantage FS celebrated reaching over 200 5-star Google reviews. This milestone means...
EWS1 Requirements for Leaseholders – Could it be getting easier?
Potentially good news for frustrated Flat owners as Government scraps EWS1 forms for blocks under...
‘Secret’ high street rates for past credit issues.
Josh found us through Facebook and had been quoted rates over 5% for his first mortgage due to past...
Home buyers, your consumer rights and how to get your offer accepted
This past year has been crazy in the property market with demand for properties far outstripping...
95% LTV Come Back
 Since the onset of the pandemic, the higher LTV market has been particularly hard...
Stamp Duty Deadline Looms
As the stamp duty holiday ceases for purchases of over £500,000 solicitors are under increasing...
Life Insurance market begins its coivd19 recovery
During the pandemic, insurers have made blanket decisions to postpone the acceptance of...

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