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...
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Mortgages in Retirement
Mortgages in Retirement: What’s Changing and Why It Matters If you’re already retired—or...
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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...
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How the Labour government could change Stamp Duty in the Autumn Budget
On 26 November, the chancellor, Rachel Reeves, will deliver the government’s Autumn Budget,...
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4 things to consider when deciding your mortgage term
When you’re taking out a mortgage, you can choose the period you want to repay the loan over....
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The essentials you need to know if you’re considering gifting your home to your children
Your home is likely to be one of the largest assets you own. Indeed, according to the Halifax House...
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4 ways homeowners could benefit from rising house prices
Since 2020, 8 in 10 UK homes have increased in value by more than 5%, with an average rise of...
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How mortgage brokers make a living
There’s always been a misconception regarding mortage advisers and how we are paid. Advantage...
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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...
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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,...
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Don’t have a will? Here’s how your estate would be distributed under intestacy rules
A June 2025 article by Today’s Wills & Probate revealed a 25% rise in people dying without a...
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How a mortgage adviser could help you secure a buy-to-let mortgage
Investing in property can be an exciting opportunity. It might provide you with a regular income...
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Explained: How remortgaging works and why it’s important
Remortgaging is a task most homeowners will do at some point. Yet, it can seem complex or something...
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Taken out a new mortgage? Don’t forget to review your financial protection
Taking out a new mortgage deal could represent a shift in your financial commitments. So, reviewing...
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6 reasons why your mortgage application could be rejected
For many in the UK, owning a home remains a major life goal. Indeed, a survey presented by the...
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Financial protection: How it could help you bridge an income gap
You don’t know what’s around the corner, but that doesn’t mean you can’t prepare for it. A...
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The pros and cons of borrowing more through your mortgage
Looking for a way to fund a large expense? Whether you want to make home improvements or buy a new...
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Your options if your interest-only mortgage ends soon
An interest-only mortgage could help you manage your budget more effectively, but it can also...
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5 top tips for securing a mortgage
Applying for a mortgage, whether you’re buying your first home or remortgaging, can feel like a...
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3 ways your property could be taxed as a homeowner
The UK property market has been a source of frustration, and the Labour government has identified...
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The homebuyers checklist: 8 essential tasks to complete if you’re buying property
Buying a new home can be an exciting time, it could represent a new chapter of your life, whether...
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Why locking in a new mortgage deal could save you money
Even if your current mortgage deal doesn’t expire for a few months, searching the market now...
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The General Election Results are in: What can we expect for the housing market going forward into 2025?
Mortgage Price War Heats Up: Barclays and HSBC Slash Rates – Is Now the Time to Buy? Now that...
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Cracking the Ladder: A Guide for First-Time Buyers in the UK
The dream of homeownership burns bright for many, but navigating the UK property market can feel...
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Why a Local Mortgage Advisor Makes All the Difference for Your Bristol Home Journey
Congratulations! You’ve decided to take the exciting (and sometimes daunting) step of buying...
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Are mortgage rates in the UK going up or coming down 2024
I thought mortgage rates were coming down in 2024, what is happening? Let’s get a...
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Homeownership Made (Slightly) Easier: The New £5k Deposit Mortgage
Surprise news for first-time buyers! Accord Mortgages and Yorkshire Building Society have...
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UK Mortgage Rollercoaster: Rates Tumble, Yet House Prices Remain a Challenge (April 6, 2024)
MARKET WATCH! UK Mortgage Rollercoaster: Rates Tumble, Yet House Prices Remain a Challenge (April...
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UK Mortgage Rates: A Quick Look at the Last Week (as of March 24th, 2024)
MARKET WATCH! UK Mortgage Rates: A Quick Look at the Last Week (as of March 24th, 2024) This...
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Help! I’m a Birmingham Midshires Residential Mortgage Customer
Birmingham Midshires Exited Direct Mortgage Market in 2011: What Existing Customers Need to Know...
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February 26th 2024 mortgage news
Halifax buck the trend In a surprising move, Halifax, the UK’s biggest mortgage lender, has...
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February 14th 2024 mortgage news
What’s in the news? February 2024 The cost of moving and stamp duty is putting...
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Navigating the Financial Maze of Downsizing in Retirement: What are Bridging Loans?
Retirement often marks a period of transition, a time to embrace new experiences and simplify life....
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Mortgage rates are falling in the UK as lenders battle for business in 2024
After a gruelling two years of rising interest rates, the UK mortgage market is now seeing a price...
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Why is only one of our incomes used on a RIO mortgage UK
What is a Retirement Interest-Only (RIO) Mortgage? A Retirement Interest-Only (RIO) mortgage is a...
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The average five-year fixed mortgage rate in the UK has fallen below 6 percent
The average five-year fixed mortgage rate in the UK has fallen below 6% for the first time since...
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5-year fixed rates for retired borrowers drop to as low as 5 percent
Good news for retired borrowers! Five-year fixed mortgage rates have dropped to as low as 5%, the...
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Borrow MORE with your pension
As mortgage brokers the most common issue we overcome for our clients is affordability. Believe it...
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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...
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FCA ‘disappointed’ by poor advice given by lifetime mortgage advisers
FCA ‘disappointed’ by poor advice given by lifetime mortgage advisers...
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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...
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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...
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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...
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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...
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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....
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Are you re-mortgaging now?
Are you re-mortgaging now and (sensibly) reserving a new deal ahead of your current rate ending...
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We Are Directly Authorised
We’re finally here….after a year long process…we have flown the nest and are now...
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Variable or Tracker Products What’s the difference?
I’ve been having more conversations recently with clients about which type of product to go for....
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Good news for purchasers as Stamp Duty slashed!
Good news for purchasers as Stamp duty slashed.
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The three big mortgage changes that no one is talking about.
There is a lot going on in the mortgage and property markets right now, with most of the discussion...
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Will house prices drop?
The CEO of Lloyds Banking Group, Charlie Nunn, said on Wednesday that “Lloyds now expects house...
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What’s a Green Mortgage?
If you’re a prospective homeowner, or just looking to move. You may have noticed the term...
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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 a...
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Mortgage Hacks Episode 1 – ‘To Repay Or Not To Repay (Debts)’?
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Blame Swap rates
If you’ve been keeping an eye on mortgage rates lately you will have seen them increase a large...
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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...
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Coventry Building Society thinks totally outside of the box for self employed client
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How well does Compare the Market’s mortgage search feature perform?
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Tackling cost of living
This week it was reported in the press that the cost living rate of increase is currently at a 40...
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Considering a Discounted Variable rate
Generally speaking, whilst rates are indeed on the rise. Something rather peculiar is happening. We...
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Rates on the rise… BIG TIME.
If your mortgage is coming to an end in the next 6 months, now really is the time to make a move.
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7 times income is now available
Yes. You really can now borrow 7 times your income! There's only one lender that's currently...
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First Time Buyer Mortgage Hacks
How to buy a house with ZERO (that’s right ZERO) or low deposit. A common...
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Inflation… Damn that’s high!
Naturally, our clients are asking us how this record-high inflation is going to impact their...
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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....
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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...
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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...
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House prices predicted to continue to rise in 2022
House prices predicted to continue to rise in 2022. London is slowing down.
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Mortgage agreement in principle declined?
Have you had a mortgage agreement in principle declined? DId you get an initial ‘yes’...
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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%...
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5 Self Employed Mortgage Hacks
If you are self employed and looking for a mortgage you will have almost certainly been told one of...
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Could greener homes lead to tax savings…
Could Stamp Duty be reformed to encourage homebuyers to make eco-driven positive changes to their...
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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 had many...
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HSBC extend Buy to Let to mortgage brokers
HSBC extend their Buy to Let products to mortgage brokers
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EPC Certificates – Mortgage Lenders offering better products for “green” properties
Mortgage Lenders offering better products for “green” properties
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Buy to Let Shake Up!
If you’re considering entering the Buy to Let mortgage market, now could well be a great time.
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A New Low…
As the UK continues to emerge from the pandemic, lenders are vying for position at the top of the...
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Higher Mortgage Income Multiples
Stretching exercises… Bagging your dream home with higher mortgage income multiples We are...
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Mortgages for CIS workers in their first year
The Construction Industry Scheme (CIS) has simplified the way that contractors and sub-contractors...
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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...
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Blowing our own trumpet…
In July 2021 Advantage FS celebrated reaching over 200 5-star Google reviews. This milestone means...
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EWS1 Requirements for Leaseholders – Could it be getting easier?
Potentially good news for frustrated Flat owners as Government scraps EWS1 forms for blocks under...
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‘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...
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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...
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95% LTV Come Back
Since the onset of the pandemic, the higher LTV market has been particularly hard hit. With...
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Stamp Duty Deadline Looms
As the stamp duty holiday ceases for purchases of over £500,000 solicitors are under increasing...
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Life Insurance market begins its coivd19 recovery
During the pandemic, insurers have made blanket decisions to postpone the acceptance of...
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