by Luther | Aug 1, 2023 | Mortgage tips, Mortgage types, Property conditions
EPC ratings and Green Mortgages EPC Ratings grade the energy efficiency of your property from A (most efficient) to G (least efficient). It is a legal requirement in the United Kingdom for a property to have a certificate if it is to be sold, rented or leased. The...
by Luther | Jul 26, 2023 | Mortgage tips, Mortgage types
A second, third, or fourth residential home is a common scenario for many people. There are a number of reasons why someone might need more than one residential property, such as work commitments, family reasons, or retirement planning. When it comes to financing a...
by Luther | Jul 17, 2023 | Mortgage tips, Property conditions
What is stamp duty? Stamp duty is a tax that is paid when you buy property in the UK. It is a tax on the document that transfers ownership of the property, hence the name. The amount of stamp duty you pay depends on the value of the property. In Wales stamp duty is...
by Luther | Jul 14, 2023 | Mortgage tips, Rates
Securing a remortgage deal: A step-by-step guide Listen to section one here Remortgaging is the process of switching your mortgage to a new deal. This can be with your existing lender or with another mortgage provider. It can be a good way to save money on your...
by Luther | Jul 10, 2023 | Mortgage tips, Mortgage types, Self-employed
A seafarer is someone who works on a ship. This includes a wide range of occupations, from deckhands and engineers to cooks and stewards. Seafarers can work on a variety of vessels, from small fishing boats to large container ships. They may travel for months at a...
by Luther | Jul 6, 2023 | Mortgage tips, Self-employed
Orton Financial Listen to this article here A sole trader is a self-employed person who runs their own business as an individual. There are over 3.1 million sole traders in the UK, and many of them will need to take out a mortgage at some point. Getting a mortgage as...