Buying Time

Today I’m a day older than I was yesterday and this month marks the bridge between two significant anniversaries for me this year: twenty-five years of self-employment and fifteen years since developing into Step-Up Finance. But there’s a problem with marking birth days – at a certain point in life, they become striking reminders of [...]

Waiting For The Right Time

Reports are suggesting that some mortgage market lenders are starting to increase their pricing rates to products which, based on the price of mortgage-backed securities (traded like Stocks) are already prone to change daily. It seems that finding a property, a lender with the right terms, and a mortgage rate to all come together is [...]

Open The Door And Close The Sale

Here’s the thing; the chances are when asked ‘So, what are you doing this weekend?’ you’ll answer from one of three – 1. Working (at home or at work) 2. Nothing much, or 3. Shopping.  And here’s the thing - I wrote a blog after reading the excellent Shutting Up Shop: The Decline of the Traditional Small [...]

Bank Of England Survey

Q1 is through, and the Bank of Englands' Agents’ results summarise a mixed bag from robust growth in goods exports having tightened capacity, improving profit margins and strengthened investment intentions to evidence of financial distress in retail and leisure. The mortgage market has remained highly competitive with activity dominated by remortgaging in anticipation of further [...]

Rate My Business

Just as private resident council tax is levied upon private residential property, business rates are levied upon business properties. With hikes from last year’s revaluation they are viewed as disproportionally high by most business owners and are a contentious issue when considered against other business overheads and exacerbating challenging business conditions. Based on the value [...]

Mortgage Notes – Routes To A Loan

  Direct with a Lender You know how much deposit you have, how much you need to borrow, the type of mortgage you want, the mortgage rate you want to pay, and you understand all the fees and charges that can be attached to a mortgage. You also want to apply individually to lenders you’ve [...]
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