Mortgage News

Trump Vs. Brexit borrower disruption

Trump Vs. Brexit: Which Will Be More Disruptive for Borrowers?

Recent seismic political shifts have made our financial futures more uncertain than ever before. With Britain poised for a “hard Brexit” at an unclear future date, under unknowable terms, and the highly unpredictable Donald Trump now in the White House, it is virtually anyone’s guess what is in store...

February 23, 2017 Carl Shave
Robo Mortgage Adviser

Will 2017 Be the Year of the Robo Adviser?

Would you trust a robot with your financial future? It may sound like space age technology straight out of a sci-fi film, but robo advisers which look after your finances and investments are growing in popularity, especially amongst high-net-worth individuals. What are Robo Financial Advisers? Imagine if your financial...

February 23, 2017 Carl Shave
Mortgage Rate Limbo

Will the Mortgage Limbo Continue in 2017?

The Bank of England’s record low interest rate of 0.25%, announced in August 2016, in addition to stiff competition between lenders, sent mortgage rates tumbling last year. Many mortgage providers hit record lows with their offerings for home buyers and remortgagers, with average rates on two-year fixed mortgages hitting...

January 29, 2017 Rana Miah
Should you switch mortgages

Should You Be Switching Mortgage Providers More Frequently?

Given the record low interest rates that are continuing into 2017, there really is no better time to consider switching mortgage providers – so why aren’t we? Research suggests that many homeowners still do not switch mortgage providers in the same way as they switch utilities. The savings can...

January 21, 2017 Carl Shave
What does 2017 hold for landlords

What Will 2017 Hold for Landlords?

2016 was undoubtedly a challenging year for landlords. After enjoying more than a decade of rising rents, bumper yields and attractive market conditions, 2016 was the year the government decided to put the brakes on the buy-to-let market. The now ex-Chancellor George Osborne managed to make himself unpopular with...

January 11, 2017 Carl Shave
Starter Homes scheme

Who Will Be Eligible for the New Starter Homes Scheme?

The Government’s Help to Buy mortgage guarantee scheme may have come to a close at the end of 2016, but there are other initiatives and schemes currently running, working to help more Brits get onto the housing ladder. The Right to Buy scheme, for example, which helps English housing...

January 8, 2017 Rana Miah
Christmas Opening

Christmas Opening Hours & Seasonal Wishes

A very merry Christmas and a happy New Year to all our customers! Well, it’s probably fair to say 2016 been a funny old year! And yet in amongst all the things we’ve seen change – from the new five-pound note to the shape of Toblerone – one thing...

December 21, 2016 Carl Shave
Is Peer to peer lending the future?

Is peer-to-peer lending the future of bridging with buy-to-let?

Peer-to-peer (P2P) lending aims to connect lenders and borrowers online via specialist websites, rather than via the traditional route of a financial institution. Lenders can choose to put in varying amounts, meaning loans are effectively crowdfunded. Both parties stand to benefit from such an arrangement – lenders, because they...

December 19, 2016 Carl Shave
Christmas shopping

Will Our “Borrowing Binge” Continue Over Christmas?

It was reported in November that unsecured debt – principally credit card and overdraft debt – was rising at the fastest rate for eleven years. Bank of England figures show that credit card lending is at a record level, up by £571 million in the last month and by...

December 11, 2016 Carl Shave
trump

Is There a “Trump Effect” on the UK Mortgage Market?

If Brexit was a shock for many people, the result of the US presidential election was seismic. And, just as Brexit is having an effect on the money markets and wider economy, so is the American election result – and not just in the USA, but globally. Immediately after...

December 9, 2016 Rana Miah
Brexit Mortgage Rates

Have Mortgage Approvals Bounced Back Following Brexit?

Regardless of your political opinions on the rights or wrongs of Brexit, there’s no denying that the UK’s momentous vote to leave the EU has had an impact on many aspects of Britain’s economy since the referendum on 23 June 2016 – and the housing and mortgage markets have...

November 28, 2016 Rana Miah
ask-the-experts

Ask an expert – Is this Property Mortgageable?

This question was submitted by our Ask an Expert form – remember you can ask our team any of your mortgage questions and we’ll feature a select few on our blog. We’ve removed any personal/sensitive information and ensure that the answer can help everyone with the same question. “Is this Property Mortgageable?”...

November 20, 2016 Carl Shave
Mortgage rewards

Do Mortgage Rewards Mislead Customers?

Mortgage rewards and incentives have always existed in one form or another. Everything from cashback and free valuations to payments towards stamp duty have been offered and, while it’s now more common for lenders to concentrate on heavily discounted pricing of initial mortgage interest rates to attract new mortgage...

November 14, 2016 Carl Shave
bitcoin

Is Bitcoin Technology the Future of Mortgages?

The phenomenon of bitcoin – a controversial but ever-growing form of digital “cryptocurrency” – is overlapping for the first time with conventional mortgage lending, as a number of major banks in the Hong Kong market aim to use one aspect of bitcoin technology as part of their standard mortgage...

November 6, 2016 Rana Miah
self-employed-mortgages-high-street

Are the Self-Employed Being Penalised by High-Street Lenders?

According to the Office for National Statistics, the number of British people who are self-employed is at its highest level in 40 years. This is also borne out by the findings of the Resolution Foundation, who report that the UK’s self-employed workforce has grown by 45% since 2001–02. The...

October 30, 2016 Carl Shave
Brexit Mortgage Rates

Are the Effects of Brexit being Felt by the Mortgage Market?

It’s now a little over four months since the EU referendum, and while the leaving process is still yet to begin (and likely to be, the result has already had a dramatic effect on the financial markets and many other areas of the economy. The effect felt in some...

October 24, 2016 Rana Miah
mortgage-strategy-awards

Just Mortgage Brokers Nominated for Prestigious Industry Award

Recognised as the benchmark of excellence in the mortgage industry, Just Mortgage Brokers have been nominated for a prestigious Mortgage Strategy Award in the “Best Specialist Broker/Distributor” category. The team here at Just Mortgage Brokers are thrilled to have been nominated for the award and receiving the recognition of the...

October 19, 2016 Carl Shave
Are Secured Loans Making a Come Back?

Can Secured Loans Gain Traction?

Much has changed in the secured lending market of late which could bring plenty of opportunities for second charge finance borrowers and lenders in the coming months. The EU’s Mortgage Credit Directive The first shift in the market was the implementation of the EU’s Mortgage Credit Directive (MCD) in...

September 24, 2016 Rana Miah
fixed mortgages

How Long Should You Fix For?

Record low interest rates triggered by fears of post-Brexit vote economic stagnation have made 2016 the best year for fixed rate mortgages – ever. With the base rate slashed from a low 0.5% to an unprecedented 0.25%, mortgages are now (on paper) more affordable than ever before, while a...

September 20, 2016 Carl Shave
House Price Myths

House Price Influences: Fact or Fiction?

There are all sorts of factors that have been touted as the alleged causes of house price fluctuations. For those living in London, the proximity of a Tube station has a marked impact on the price you’ll pay. In all areas, the quality of the local schools and the...

September 18, 2016 Carl Shave
New home

Is the Future of New Home Construction Looking Healthy?

Finally, there’s good news for families, first-time buyers and those who are desperately stuck in the renting trap, as the proportion of houses being built reaches its highest level since 2001. The lack of available and affordable housing has been blamed for the property price rises and the record...

September 12, 2016 Rana Miah
Property ladder

What’s Stopping You Getting on the Housing Ladder?

Will there ever be a better time to make your first step on the property ladder? That might seem like a strange question given the uncertainty following the recent EU referendum, but instead of worrying about the unknown, this could be the time to act. Despite the forecasts of...

August 22, 2016 Rana Miah
Borrower checking mortgage rates

What Does the Interest Rate Cut Mean to Borrowers?

The Bank of England base rate has been cut from 0.5% to 0.25%, representing the first change to interest rates since 2009. But what does this mean for borrowers and mortgage lenders? Are mortgages about to get cheaper, and will the lenders actually pass the base rate cut on?...

August 19, 2016 Carl Shave
Limited company BTL mortgage

Why are Limited Company Buy-to-Let Mortgages Becoming So Popular?

A 10-15% increase in limited company purchase applications signals that landlords are seeking new routes to avoid costly new changes to stamp duty imposed by Chancellor George Osborne in April 2016; with more bad news on the way in 2017, when mortgage interest relief will be capped at 20%...

August 18, 2016 Carl Shave
Best mortgage deals

Could You Benefit from the Best Fixed Mortgage Rates in Recent Memory?

After the financially destabilising effect of June’s shocking Brexit vote, the Bank of England has dropped its base rate to a record low. For the first time in the Bank of England’s 322-year history, interest rates are now at an unprecedented 0.25% – the lowest rate of all time....

August 16, 2016 Rana Miah
Bridging finance

Bridging Lending Growing in Popularity

The bridging loan industry made a positive start to 2016 following on from an excellent end to 2015 as bridging loans go from strength to strength. The latest figures from West One Loans’ bridging index show that gross annual bridging lending rose to £3.6bn in February, up from £3.5bn...

July 26, 2016 Rana Miah
Brexit impact on contractor mortgages

Could Brexit Already Be Harming Contractor Incomes?

It’s still very early days following the shock vote to leave the EU, and as yet there’s still very little to go on to draw any firm conclusions about how the economy will be affected. However, with a little help from our experts, we have dug a little deeper...

July 22, 2016 Carl Shave
Market Uncertainty

Why Do the Mortgage Markets Hate Uncertainty So Much?

Following last month’s historic ‘Brexit’ vote, we’re actually none the wiser as to how this landmark decision is actually going to affect the UK. At the moment, it’s uncertainty that reigns supreme. The pound is down, the FTSE is up, and growth forecasts are being looked at once again....

July 16, 2016 Rana Miah
Specialist financial advice

In a World of Growing Financial Choice is the Specialist King?

Our age is one which is characterised by unparallelled choice. Globalisation, increased freedom of movement and rapid technological advances mean there is a more diverse range of products and services available to consumers than ever before. The same can be said in the financial arena, where an increasingly innovative...

July 8, 2016 Carl Shave
Brexit Mortgage Rates

‘Brexit’ Mortgage Rates – Ask the Experts

With the ‘Brexit’ debate reaching a near fever pitch ahead of tomorrow’s referendum, the recurring question of what economic impact a leave vote might have is one which hangs particularly heavy over the housing market. With predictions that house prices will plummet and mortgage rates soar, we’ve been fielding...

June 22, 2016 Carl Shave
Bridging loans

Can Bridging Loans Ease the Stamp Duty Pain for Landlords?

Ever since it was announced there would be an additional 3% stamp duty surcharge for second homebuyers to contend with, landlords have been searching for a way to ease the pain of this price hike. In March this year, there was a dramatic surge in the number of buy-to-let...

June 21, 2016 Carl Shave
Green mortgage

Is There Such a Thing as a Green Mortgage?

On the face of it, a ‘green mortgage’ doesn’t seem to make all that much sense. Is it a completely paperless mortgage? Or perhaps it’s written on recycled paper? In actual fact, green mortgages are those designed specifically for those who want to build or buy an environmentally friendly...

June 13, 2016 Rana Miah
Contractor mortgages

Contractor Mortgages: Things to Consider

Finding a mortgage can be stressful enough as it is, but the whole process can be even more daunting when you’re a contractor. With many lenders typically basing their underwriting for contractors on the same criteria they’d use for the self-employed, it has been an act akin to fitting square...

June 9, 2016 Carl Shave
Monopoly mortgage price war

Is Another Mortgage Price War On the Cards?

There’s exciting news for those with larger deposits looking to move or get on the property ladder this month. HSBC has recently announced its all new 1.16% two-year fixed-rate mortgage. Although borrowers will need to have a considerable deposit (35% plus a product fee of £1,499), this is an impressive...

May 24, 2016 Rana Miah
0% mortgage gamble

Are Mortgage Lenders Revisiting Dangerous Territory?

Change is afoot among mortgage lenders this month as some providers made significant updates to their offerings to combat a pre-Brexit, post-stamp-duty-change market slump. Alongside lower interest rates and rising age restrictions, 0% mortgages in certain guises are becoming part of “the fray” as lenders battle for the biggest...

May 18, 2016 Carl Shave
House price increase

Average UK House Price Hits £284,000 in February

Fresh data from the Office for National Statistics (ONS) has revealed that the average house-buyer in February 2016 paid 8% more than those buying residential property in February 2015. The average cost of a home was £269,000 in February 2015, rising to £284,000 in the same month this year....

April 22, 2016 Rana Miah
Credit report

Is Your Credit Data About to Get More Detailed?

Credit reports can be a big headache for borrowers from all backgrounds. From inaccurate data, which leaves you struggling to access credit due to mistakes on your report, to historic credit issues which have failed to be wiped from your file after the requisite six years; today’s credit reports can be...

April 22, 2016 Carl Shave
Budget 2016

Budget 2016: The Key Points

With the dust appearing to settle on the chancellor’s Budget of 2016, Just Mortgage Brokers have taken the opportunity to assess the results of what has been a controversial budget for the UK mortgage and property market. Here are some of the key points from George Osborne’s Budget. The...

March 31, 2016 Carl Shave
Master Investor cover

Carl Writes for Master Investor

The first three months of 2016 and the conclusion of 2015 saw some major developments in the world of mortgages and corporate finance. The buy-to-let market is in the midst of a significant shake up and dramatic changes to dividend tax are about to be introduced. Just Mortgage Brokers...

March 22, 2016 Rana Miah
BudgetBingo16

#BudgetBingo16

Budget 2016 is just around the corner and speculation is rife with regards to what the chancellor George Osborne might have in store for us. From how much extra a pint of beer may cost through to concerns about extra stamp duty, the effects of the Budget will be...

March 11, 2016 Rana Miah
Buy-to-let property signs

Buy-to-Let Mortgages Reach New High

Lending to buy-to-let investors has climbed to its highest level since 2007, with landlords rushing to beat the impending stamp duty changes being introduced in April of this year. The Mortgage Lenders and Administrators report released jointly by the Bank of England and the Financial Conduct Authority revealed that...

March 11, 2016 Carl Shave
Happy Customers

Our Top 10 Favourite Trustpilot Reviews

Just Mortgage Brokers are proud of the service that we provide, helping customers make their dreams of acquiring a mortgage a reality. As such, we ask our customers to tell us about their experience on our Trustpilot page. Here are our 10 favourite Trustpilot reviews. Mortgage Barry – 5...

February 24, 2016 Carl Shave
how long does bad credit stick

Research Shows 70% of People Think “Bad Credit” is Worse Than It Is

Here at Just, one of the phrases we hear most frequently is “you probably won’t be able to help me, but…”. Most people who consider themselves as having “bad” or “adverse” credit have often been denied by high street lenders and are usually feeling pretty pessimistic about their chances....

February 22, 2016 Carl Shave
How Bad Is Bad Credit?

Bad Credit Perceptions – The Infographic

From our research into the perceptions of bad credit mortgages, we’ve created an infographic to illustrate the results of the survey and make it clear as to how far off the mark people really are.

February 9, 2016 Carl Shave
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High LTV Mortgage Rates Continue to Fall

As the new year starts, figures suggest that the landscape for first time buyers looking to make their first step onto the housing ladder has improved slightly in recent months. Wage growth and record low mortgage rates have encouraged more potential buyers to make the bold move to take...

January 21, 2016 Carl Shave
Buy to let market

Bank of England says Buy-to-Let Mortgage Demand to Grow

Following a significant leap in demand in late 2015, lenders are now expecting far greater demand for buy-to-let mortgages in the coming weeks. Figures have shown an increase in buy-to-let mortgage lending in recent months on the whole, and 30% more lenders expect demand to grow in the next...

January 21, 2016 Carl Shave
Rising UK house prices

UK House Prices Predicted to Rise by 50%

Here’s some Christmas cheer for first-time buyers… UK house prices fell by 0.2% last month and we’re in the midst of record low interest rates, hurrah! But… Before potential homebuyers pop the champagne corks and rush out to secure a mortgage, they should read on… Demand, stimulated in no...

December 23, 2015 Carl Shave
Barclays

Tough Checks Being Introduced for Buy To Let Mortgages

Banks and Building Societies are set to introduce tougher checks on potential landlords and buy-to-let borrowers following fears that many landlords may struggle with the possibility of higher costs as a result of changes to the Buy to Let tax regime (announced in the Summer Budget). The government is...

December 21, 2015 Carl Shave
expert view negative interest

The Prospect of Negative Interest Rates – Ask the Experts

The prospect of interest rate rises has been one which has been floated for sometime. What makes this a particular interest of the consumer is the effect it would have on personal finances, loans, investments and of course, mortgages. What has received less scrutiny in the media is whether...

December 9, 2015 Rana Miah
House Keys

Council of Mortgage Lenders says buy-to-let mortgages at highest level since 2007

A recent report from the Council of Mortgage Lenders has suggested that lending to landlords peaked in the summer with 33,600 loans taken out for property purchase. This figure represented the busiest quarter (from July to September) in more than seven years. The reasons for such a significant figure...

November 26, 2015 Carl Shave
credit scores

A Visual Guide to Credit Scores

Credit scores can be a complicated business, especially if you haven’t had to worry about them in the past. For many discovering that they have bad credit, the first encounter with a credit score is simply being told that yours isn’t good enough – which can be an unpleasant...

November 26, 2015 Carl Shave
Remortgages

Is the UK seeing a boost in remortgage lending?

Recent statistics have revealed that the UK mortgage market is enjoying a boost in remortgaging activity. The boost appears to relate to the extremely competitive rates available to homeowners who may be looking to cut down the cost of their monthly payments. Figures have suggested that the number of...

November 4, 2015 Carl Shave
5985974837_21b635f652_z

Interest-Only Mortgages on the Rise?

In recent weeks, a number of lenders have returned to the interest-only mortgage market. These types of loans had heavily reduced in their availability by the end of 2012, after mortgage rules were tightened. This follows alternative reports in the month of September, which suggested that the number of...

October 22, 2015 Carl Shave
5 Star Trust Pilot Rated

Just Mortgage Brokers Reach Five Star Rating

At Just Mortgage Brokers, we take great pride in helping customers with a varying level of experience in home ownership find the mortgage deal that they need. We specialise in helping applicants who have a history of adverse credit find mortgages for their purchase despite the difficulties that they...

September 29, 2015 Carl Shave
og-just

Eurozone Lessons in Personal Credit Management

In recent weeks, the news has been awash with news regarding the financial crisis across the Eurozone, in particular in Greece. Greece’s high borrowing and spending has seen the country get into considerable debt which has led to them owing 250 billion euros, which is 175% of GDP (the...

September 21, 2015 Carl Shave
shutterstock_260482397

Are the Best Mortgage Deals Disappearing?

The past 12 months have seen the mortgage market inhabited by some of the best deals in recent years.  Homeowners and landlords have benefited from astonishingly low interest rates, falling as low as 1%. However, as with all favourable rates, it is anticipated that these rates could soon start...

September 20, 2015 Carl Shave
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Second Steppers Struggle With Home Move

The struggle for first time buyers looking for homes has it seems, always been well documented, with the first rung of the housing ladder proving to be an illusive goal for many. However, frustrations are also being felt by some home movers attempting to get onto the next rung...

August 26, 2015 Carl Shave
securedLending

Only Half of the UK Have Life Cover

Recent surveys from leading money services, have revealed some fascinating facts regarding the spread of life cover and other related insurance in the UK. Statistics revealed that three quarters of Britons believe that life insurance is important to have and believe that it is an extremely significant consideration when...

August 19, 2015 Carl Shave
pounds

Foreign National Acquires 10% Deposit Mortgage with Tier 2 Visa and Default

Acquiring a mortgage as a foreign national can be a tricky business, particularly when you have a history of negative credit – the most common reason for mortgage applicants being refused is a result of having adverse credit. A credit score and the history that it builds can be...

July 30, 2015 Rana Miah
shutterstock_190158614

Bank of England Claims UK Households Paying Off Mortgages in Record Time

New data from the Bank of England has shown that British households have been paying off their mortgages at a record pace, with the first quarter of 2015 seeing mortgage debts cut by £13bn. The reasoning behind this seems to be the historically low interest rates in the mortgage...

July 10, 2015 Carl Shave
shutterstock_243082078

Is it Becoming Easier for Older Borrowers to Get a Mortgage?

Finding the right mortgage is a difficult task at the best of times. With all lenders having different rules and criteria it can appear a financial minefield, and one specific area that can present its problems to a growing part of the market is the age of a borrower....

June 26, 2015 Carl Shave
shutterstock_283952393

UK Mortgage Approvals Rise to Highest Level for 14 Months

UK Mortgage Approvals rose to their highest levels for 14 months in the month of April, with data showing a 10% rise in mortgages approved between March and April 2015. This rise reflects the biggest month on month increase since 2009. The total of Mortgages according to the Bank...

June 10, 2015 Carl Shave
shutterstock_280484135

Available UK Mortgage Deals Jump By Nearly 20%

Recent figures have shown that the number of available mortgage deals on the market has risen by nearly a fifth in the past year. According to recent statistics published by the Guardian, the total number of available home loans in the month of April rose from 11,416 to 13,539....

May 28, 2015 Carl Shave
helpToBuy

The truth about Help to Buy: Statistics reveal scheme is being underused

Using data collated from HM Treasury, a resource map has recently been created that reveals some surprising information about the government’s much vaunted Help to Buy scheme. Most notable is the fact that 1,261 out of a possible 2,117 postcode areas in the UK have seen no Help to...

May 21, 2015 Rebecca Evans
shutterstock_276403292

What Does The Tory Victory Mean For You?

Last week’s election heralded a large surprise for everyone involved in the process, including voters, pundits and party leaders. The possibility of a hung parliament had seemed like somewhat of an inevitability going into Thursday’s vote, but Friday morning left everyone surprised, with the Conservatives emerging as comprehensive victors,...

May 14, 2015 Carl Shave
shutterstock_188066636

What Could You Do With Your Savings?

As consumers, we’re all looking to make savings. At Just, we pride ourselves on high quality of service that we provide and our success in locating mortgages even in difficult situations. At Just, we’re also pleased to be one of the most competitive options on the market. We can...

April 29, 2015 Rana Miah
Britain

Britain’s Most Amazing and Unusual Homes

We have rounded up 5 of the most unusual houses located around Great Britain, some of which you can now visit for a small fee. Here is our countdown. 1) The Quay House Let’s start with the smallest house in Great Britain, also known as the Quay House. This...

April 22, 2015 Just Mortgage Brokers
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Conservatives Crack Down on Mortgage ‘Age Discrimination’

The general election grows ever closer. As each day passes, each of the competing parties are establishing their key values and concerns. For the Conservative party, the discrimination of older buyers trying to obtain mortgages has become a concern for them to hang their hat on. The Conservative party...

April 22, 2015 Just Mortgage Brokers
Things to do before moving home

First Time Buyers “Things to do before moving home” Checklist

Moving home is one of the most stressful situations you will go through in your life. Being a first time buyer you may not be fully aware of all the fees that you may have to pay. So Just Bad Credit have put together a helpful sheet, to make...

April 17, 2015 Rana Miah
shutterstock_259807778

Nationwide Offers Long Term Mortgages for Pensioners

Nationwide Building Society’s buy to let mortgage arm, The Mortgage Works is offering long term buy-to-let mortgages to pensioners up to the age of 70 which will only be paid off at the ripe old age of 105 years old. The move comes hot on the heels of pension...

April 8, 2015 Just Mortgage Brokers
shutterstock_246367420

4 Simple Steps to Improve Your Credit Rating

For those with an impaired or adverse credit history it can be very difficult to obtain the mortgage they need. Many find themselves in the situation of having a bad credit record through specific life events and although in time this information will be removed from your file, there...

April 3, 2015 Just Mortgage Brokers
shutterstock_234182512

TSB Agree to Sabadell Takeover

Spain’s fifth largest banking group, Sabadell have agreed their takeover of local lender, TSB, with a fee agreed at £1.7billion between the two parties. Lloyds Banking Group, who previously spun off the TSB brand have also agreed to sell a 10% stake in TSB to Sabadell, as well as...

March 24, 2015 Just Mortgage Brokers
shutterstock_260765084

UK Price Rebound, But Not In London

A growing imbalance between demand and supply has caused property prices across the UK to increase. Left behind once again was London, with its sixth consecutive monthly price decline. 8% more surveyors saw a decrease in houses coming onto the market in February, yet demand has stopped decreasing and...

March 18, 2015 Rana Miah
shutterstock_260482397

Stamp duty revenues jump to £8bn

New research estimates that stamp duty revenue in England and Wales has risen by over 20% since 2014, to a record £8 billion. The study, conducted by Halifax suggests that three quarters of all homebuyers are liable to pay stamp duty, including nearly all sales in London and roughly...

March 18, 2015 Rana Miah
shutterstock_257810023

High LTV Lending on the Rise

Reports show that the number of higher loan-to-value (LTV) house purchase approvals rose dramatically in the month of February and made up 16.9% of house approvals during the month. February marked the third month in a row in which higher LTV approvals have grown, which has led industry experts...

March 18, 2015 Just Mortgage Brokers
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TSB in Takeover Talks with Spanish Bank

British local banking champion, TSB has begun talks with Spanish bank Sabadell over a potential takeover. Sabadell have currently tabled an offer of £1.7billion to takeover the bank, which split from Lloyds last summer. The TSB name has been built upon promoting its local credentials and its support for...

March 18, 2015 Just Mortgage Brokers
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Record Low Fixed-Rate Offered by First Direct

Recent news has reported of a battle in mortgage rates between a number of high street banks and lenders. Last month, Just reported on the news that Barclays would offer a mortgage with an interest rate of 2.99%, reflective of the lowest ever rate on that type of mortgage....

February 10, 2015 justbadcredit
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One in Three Use Payday Loan for Mortgages

A report from Mortgage news outlet Introducer Today has suggested that more than one in three people who take out payday loans have done so in order to pay housing costs such as their mortgage. The news is somewhat surprising given the record low interest rates and falling arrears....

February 10, 2015 justbadcredit
14/08/14 Barclays closed

Lender Launches Cheapest Ever 10-Year Fixed-Rate

In recent months, competition has grown for cheap 10-year fixed-rate mortgages. More accurately, in the past six months the amount of 10-year fixed-rate mortgages on offer has almost tripled. This growing trend has now seen the introduction of the cheapest ever such mortgage. High-street lenders Barclays are now offering...

January 16, 2015 justbadcredit
remortgage

House Prices Grow At Slowest Rate In Eight Months

Recent reports from important Mortgage industry publications have emerged, reporting on how house prices grew at their slowest rate in eight months in the month of November. Reports suggested that prices rose by 10% year-on-year in November, from £246,000 to £271,000, marking the slowest annual growth since November. Other...

January 15, 2015 justbadcredit
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Buyers Slash Offers Following Stamp Duty Changes

The London housing market has begun to see the after effects of George Osborne’s dramatic shake- up of stamp duty, with property buyers demanding significant reductions of central London properties. At the start of the month, Osborne introduced changes that effectively resulted in 98% of home buyers paying less...

December 17, 2014 justbadcredit

Stamp Duty Land Tax Reform 2014

On the 3rd December 2014, during his Autumn Statement the Chancellor George Osborne announced a complete reform of Stamp Duty Land Tax (SDLT) and abolished the existing slab structure. The Chancellor has said that the new rates will reduce stamp duty for 98% of buyer. The new Reform will...

December 16, 2014 justbadcredit
website

Just Mortgage Brokers Launch New Website

Just Mortgage Brokers are very proud to announce the launch of our brand new website. With over 25 years of experience in the mortgage industry, we take great pride in helping hundreds of customers with their mortgage needs, whether they be bad credit or acquiring a mortgage for a...

November 24, 2014 Just Mortgage Brokers
trustpilot

Just Mortgage Brokers Introduces Trustpilot

Just Mortgage Brokers are pleased to recently introduce Trustpilot to the Just Mortage Brokers name and invite our customers to offer their reviews of our great service. We’ve been extremely pleased with the response from our reviewers, receiving some fantastic comments and feedback, which we’re delighted to now share with you. Edward...

November 24, 2014 Just Mortgage Brokers
Buy to let market

Is the Buy To Let Market Back?

The buy to let mortgage market has seen a boom in recent times, with an army of 2 million private landlords owning and renting out 5 million properties in the UK. A staggering 18% of households now rent from private landlords. These latest figures show a change in the...

November 21, 2014 Rebecca Evans
Understanding mortgages with bad credit

Understanding Mortgages with Bad Credit

There are mortgages out there for people with bad credit… if you know where to look. You are unlikely to get a bad credit mortgage from a high street lender such as your bank. It could be the case that you have missed a few credit card payments, or...

November 20, 2014 Just Mortgage Brokers
Interest Rates Rise

Increase in interest rates could cause 1/3 of mortgage borrowers to struggle

The recent ICM Survey carried out, asked homeowners how far they agreed between 1 and 5 that a 2% increase in interest rates would mean they would “struggle” with their mortgage. This survey was conducted in light of the Bank of England once again voting to keep the base...

November 20, 2014 Just Mortgage Brokers
Mortgages sky rocket

Mortgage Market Sky Rockets

In 2008 the UK entered it the deepest recession since the war. Manufacturing output had declined by 7% by the end of 2008. With unemployment rising to 8.1% (2.57m people) in August 2011; this was the highest level since 1994. Towards the end of 2007 the housing market peaked...

November 11, 2014 Just Mortgage Brokers
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3 Things You Need To Know Before Remortgaging Your Buy To Let Property

For whatever the reason might be, there may come a time when you as a landlord will choose to remortgage your buy to let property. The process is essentially changing one lender for another, capitalising on whatever the financial benefits of said deal could be. However, its very important...

October 31, 2014 Rebecca Evans
creditRating

Top Tips for improving your credit rating

What many people don’t realise is that your credit rating and credit history are two different things. Often we hear people saying “No one will lend to me, I have such a bad credit rating”. Every company will give you a different credit rating, and it is your credit...

October 29, 2014 Just Mortgage Brokers
Benefits and Bad Credit Mortgages

Benefits and Bad Credit Mortgages

Nearly every person in the UK receives some kind of benefits from the government. For some people, this could just be Child Benefits, which every family in the country is entitled too, providing you do not earn over a certain amount. While others, maybe entitled to additional benefits. Just...

October 15, 2014 Just Mortgage Brokers
ask-the-experts

The Guide to Buy to Let Student Accommodation

Our new guide is packed full of useful resources that will help you find the perfect property and make the best out of your Buy-To-Let Student Accommodation. View Interactive Version (via Just Mortgage Brokers).

October 2, 2014 Rebecca Evans
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25 Myths About Your Credit Score

Read here 25 Myths about your Credit Score. Did you know that your income doesn’t affect your credit score? Our new guide aims to separate fact from fiction when it comes to credit scores and we hope you find it to be a useful resource. View Interactive Version (via...

October 2, 2014 Just Mortgage Brokers
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The Rise Of The Buy To Let Market

The popularity and size of the buy to let market has increased rapidly over recent years, with investors seeing it as a prime opportunity to capitalize on lower house prices. 2014 in particular has seen a significant rise in how much lenders have been prepared to support people looking...

September 27, 2014 Just Mortgage Brokers
5. Doily

6 DIY Lampshade Ideas Which Will Brighten Up Your Home

Keen to give your interiors an update but don’t want to break the bank? If you’ve been working with our team of bad credit mortgage brokers, you’ll probably be tying up lots of your hard-earned pennies in a mortgage on your brand new property. This might mean that, when...

September 25, 2014 justbadcredit
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Property Prices In UK Grow At Fastest Annual Rate in Seven Years

House prices in every region of the UK have increased again this year, granting more credence to fears that a gulf will be created, leading to difficulty in young buyers making their first steps onto the property ladder. Figures emerging from the Office for National Statistics have revealed “the...

September 24, 2014 Rana Miah
cat

Russian Bank Offer ‘Free Cat’ With Every Mortgage

As part of a bizarre, but admittedly quirky promotional campaign, Russia’s biggest bank Sberbank offered a free cat as part of the deal for new mortgage clients. To clarify, customers only had loan of the cat for 2 hours, as part of a Russian proverb that states, it is...

September 24, 2014 Rana Miah
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Spanish Housing Market Shows Signs of Recovery

Reports have indicated another sign of international economic recovery with Spanish house prices rising for the first time in more than six years. Figures would illustrate that the country’s economic recovery is slowly gaining some purpose. The figures in question show house prices in the second quarter rising 0.8...

September 24, 2014 Rana Miah
remortgage

Remortgaging on the Rise?

Reports emerging from industry insiders suggest that remortgage lending will sharply increase in the next two years. Suggestions emerging from these reports seem to highlight how a combination of rising house prices and improved job prospects will encourage homeowners to switch their home loans, no longer held prisoner by...

September 24, 2014 Rana Miah
man

Renting Out Your Property – What Are Your Responsibilities As A Landlord?

When you buy a property to let, or decide to rent out your existing property, and become a landlord for the first time there are a few rules and obligations that will apply to you. You should be aware of your responsibilities way before investing in a buy to...

September 24, 2014 Rebecca Evans
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High Street Lenders Slash Mortgage Rates

  High street mortgage lenders have significantly slashed lending rates this September as Virgin Money lead the charge for cheaper mortgages with even longer fixed terms. From mmortgages with bad credit to buy to let products, rates for mortgages have been culled across the board, making finding finance for...

September 22, 2014 justbadcredit
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First Time Buyers Flood the Market

Source You may have read about tough lending criteria, rising interest rates, huge deposits and increasingly pricey first homes in recent months, but against the odds more first time buyers are shacking up in the UK than the country has seen since the economic downturn.  In August 2014 more...

September 16, 2014 justbadcredit
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How To Find The Best Buy To Let Mortgage

Whether you are planning to buy your first or your 50th investment property, it’s vital that you choose the right buy to let mortgage for you. You will need to consider a number of factors, such as deposit amounts, eligibility criteria, interest rates, and repayment amounts. Buy to let...

September 6, 2014 Rebecca Evans
experian

6 Surprisingly Cool Ways To Upcycle Shampoo Bottles

Stop! Don’t throw your old shampoo, shower gel or conditioner bottles away! Instead transform them with these cool upcycling projects. We’re always looking for fresh ways to help our adverse credit mortgage seekers save money, and these 6 surprisingly cool ideas will certainly save you a few pounds and...

September 6, 2014 justbadcredit
4. MM

7 Clever Apps That Will Save You Money

Whether you need to save on supermarket shops or train tickets, these 7 apps will have you pinching pennies in next to no time. Ideal for those of you saving up for deposits on adverse credit mortgages… 1. Spendometer   Price: Free Enter in your budget. Set how much...

September 3, 2014 justbadcredit
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Being A Landlord Can Be Taxing – Maximise The Profit From Your Investment

If you are a landlord then you are running a business, even if you just have the one property, which means you need to ensure that you are maximising the profit you are receiving from your investment. A lot of this can be done through selecting the right buy...

September 2, 2014 Rebecca Evans
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More 1st Time Buyers Taking on 30 Year Mortgages

First time buyers are increasingly accepting mortgages with extremely long terms according to new statistics released by the Council of Mortgage Lenders. With house prices on the rise, more and more renters desperate to get onto the housing ladder are taking on mortgages which they will be repaying for...

August 31, 2014 justbadcredit
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Should You Rent Out Your Property Yourself Or Use An Agent?

One of the biggest decisions you will make when you decide to become a landlord, aside from which is the best property and which buy to let mortgage is right for you, is whether to manage the rental of your property yourself or to instruct an agent. There are...

August 23, 2014 Rebecca Evans
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Things You Should Look For When Buying A Rental Property

If you are looking to invest in property then you need to make sure that you take some time to plan what you are looking for in a rental property. Buying a property as an investment rather than a home means a different way of thinking, emotional attachment needs...

August 19, 2014 Rebecca Evans
3. Shelves

6 Smart Shoe Box Upcycling Ideas for Your Home

Shoe boxes are perfect for tidying up and keeping your home looking shipshape for next to nothing. Whether you’re neatening up wires, creating some cheap-as-chips artwork or building some much needed extra storage, we have some smart shoe box tips and tricks, perfect for using up those pesky shoe...

August 14, 2014 justbadcredit
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6 Things That You Need To Consider Before Renting Out Your Home

There are many reasons why you might be considering renting out your home. You may be moving away or moving up the property ladder and want to keep hold of your asset, or there may be financial reasons why you need to look at putting your home on the...

August 14, 2014 Rebecca Evans
ogImage

50 Things You Can Do Right Now to Boost Your Credit Score

View Interactive Version (via Just Bad Credit).

August 6, 2014 Just Mortgage Brokers
securedLending

Secured Lending On The Rise Despite Stagnant Mortgage Market

Last month we reported on June’s apparent mortgage approvals “bounce back” but didn’t hold out too much hope for a return to pre-credit crunch levels any time in the near future. In fact, with affordability checks becoming increasingly rigorous and the Bank of England imposing even tighter regulations, it’s...

August 6, 2014 Just Mortgage Brokers
3. Keyrings

Upcycled Wine Corks: 6 Absolute Corkers

  If you like to indulge in a nice drop of merlot or three every now and again – hang on to those corks. We love a good recycled DIY project here at Just Bad Credit. Getting crafty and frugal around the home is a great way to save...

July 31, 2014 Just Mortgage Brokers
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UK Mortgages Bounce Back: Approvals Rise 8%

  The first months of 2014 were not walk in the park for UK mortgage seekers, even those with spotless credit reports not in search of bad credit mortgages. Back in April, more stringent tests hit the mortgage lending world, making it harder for all prospective home-buyers to source...

July 31, 2014 Just Mortgage Brokers
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Fixed Rate Mortgage Prices On The Rise

  Arranging a mortgage which suits your life and your budget is no walk in the park – and finding the perfect mortgages with bad credit is even tougher. Unfortunately, if you’re on the lookout for a low-cost mortgage you can manage, things are about to get even more...

July 31, 2014 Just Mortgage Brokers
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How To Plan The Perfect Picnic On A Shoestring

Sunshine, blankets, paper plates, sausage rolls, ant attacks, sunburn, the company of family and friends – there’s nothing quite like a picnic in the Great British summertime. If you love heading out for a lovely lunch in the great outdoors (but you’re also thinking about getting in touch with...

July 17, 2014 Just Mortgage Brokers
4. Milk

6 Stunning Upcycled Hanging Basket Ideas

You may be talking with a bad credit mortgage broker about how to buy your home with adverse credit, but that doesn’t mean your garden can’t look a million dollars! Summer is most definitely here and nature is putting on a bloomin’ brilliant show. If you’d like to cheer...

June 29, 2014 Just Mortgage Brokers
1. Mortgage approvals

Mortgage Approvals Continue To Fall In May

Instability continues to reign across the UK’s property market. A seemingly permanent London housing boom which must be destined for a bust, a Help to Buy scheme on and off the table and now the news that, for the third month running, mortgage approvals have dropped. Who does this...

June 26, 2014 Just Mortgage Brokers
1.  Pets

7 Ways to Make Pets Cost Less

Your faithful pooch or your friendly feline may be adorable, but they can also be expensive. Vets bills, pet insurance, food, toys, ruined sofas, decimated flowerbeds, leads – you name it, our four (and two) legged friends can be a huge financial drain, especially if you’re working to arrange...

May 30, 2014 Just Mortgage Brokers
1. News

Is The UK in Debt Denial Over Mortgage Repayments?

  The Financial Ombudsman has reported a record level of complaints relating to mortgages in the past 12 months. Since May 2013, 13,659 complaints have been filed with the Ombudsman, 814 more than the 12,845 complaints made between the same period in 2012-2013. From bad credit mortgages, to mortgages...

May 17, 2014 Just Mortgage Brokers
1. Leek

3 Fast & Frugal Soups

As one of the UK’s most trusted bad credit mortgage brokers, we know how tricky it can be for our clients to find the time to rustle up healthy, wholesome food – particularly when they’re living on a tight budget. Fresh fruit and vegetables can be costly, while cheaper...

May 6, 2014 Just Mortgage Brokers
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6 Clever Ways to Upcycle Old Cutlery

Do you have a drawer full of old cutlery? Have you found yourself with an odd collection of assorted rusty teaspoons? Do you love trawling charity shops for vintage homeware? Well this month’s upcycling post is perfect for you.  1.      Fork Candles Do you remember that classic Two Ronnies...

May 3, 2014 Just Mortgage Brokers
cleaning

How to Spring Clean & Earn Extra Pennies

We don’t want to get too optimistic about the British weather, but it looks very much like Spring may be in the process of springing into life. Lambs are soon to be gambolling, meadows are ready to burst into flower and your home is primed for a decluttering. If...

April 4, 2014 Just Mortgage Brokers
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6 Clever Ways to Upcycle Wine Bottles

When you’re struggling with bad credit mortgages, bills, emergency expenses and even day-to-day costs can be a burden. But that needn’t mean that you can’t turn your home into a beautiful haven on a shoestring. Today we’ve compiled some of our favourite upcycling projects which will turn humble wine...

April 3, 2014 Just Mortgage Brokers
posts12

The Importance Of Registering On The Electoral Roll

If you’ve been having trouble obtaining any sort of credit, including loans, credit cards and – of course – mortgages, you may not realise that there is something very simple that you can do to help. That simple thing is to enroll yourself on the electoral register. In case...

November 4, 2013 Just Mortgage Brokers
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Be Prepared: Know Your Credit Rating

At Just Bad Credit, we believe that the first step to improving your credit rating is to have a full understanding of what it is. You know you’ve got bad credit – but what does that mean? It’s essential to have a thorough understanding of your current credit report,...

October 28, 2013 Just Mortgage Brokers
giveKeys

Top Tips For Buying To Let Away From Home

Letting a property away from your home town can be incredibly lucrative, but only if you get it right. There are numerous challenges that come with buying to let away from home. Here are a few tips that will help you to do just that, in order to make...

September 10, 2013 Rebecca Evans
students

The Benefits of Renting to Students

If you’re thinking about buying a property to let, it is likely that you are going to be considering your options in terms of tenants. It is up to you to decide the type of people that you allow to rent from you. You could choose working professionals, non...

September 10, 2013 Rebecca Evans
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Adverse Credit Mortgages Market Booming With New Lenders

Bad credit mortgages are becoming more and more common place, with a new mortgage lender joining the troops this month. The company, Magellan Homeloans, intend to offer mortgages of up to £400,000 to those who have previously incurred bankruptcy, or had county court judgements. Their managing director, Matt Gilmour said: “Magellan Homeloans...

August 20, 2013 justbadcredit
building

Buy To Let: Business Is Booming

If you’re still debating whether a buy to let mortgage is right for you, the latest figures released from the Council of Mortgage Lenders should be enough to persuade you. They showed that in the second quarter of 2013, over £5 billion was advanced to landlords as part of...

August 20, 2013 Rebecca Evans
map

Where Is Best To Buy To Let?

Buying a property to let can be a lucrative investment, but careful consideration of all your options can help you yield even greater results. Luckily, banking chain HSBC carried out an in-depth analysis of the market earlier this year in order to find the most profitable buy to let...

August 20, 2013 Rebecca Evans
posts11

How to Get a Mortgage After Declaring Bankruptcy

If you have found the house of your dreams and your prior bankruptcy is posing an obstacle, you can rely on us to help you out. At Just Bad Credit, we specialise in helping clients get mortgages after having declared bankruptcy, or with a poor credit history. Under normal circumstances,...

August 16, 2013 Just Mortgage Brokers
house

Can I Get A Mortgage With A Bad Credit Rating?

Just like every home is different, every potential homeowner’s requirements are unique. Choosing the right mortgage can be a headache at the best of times, but with a bad credit rating it can seem like one of those mind-boggling migraines. The huge range of mortgage options, and a multitude...

August 15, 2013 Just Mortgage Brokers
let

Why There’s Never Been A Better Time To Buy To Let

Buying to let is one of the only areas of the property industry which is currently booming, and there has never been a better time to get involved. If you have savings and are looking for a way to subsidise your income or pension, it could be one of...

June 28, 2013 Rebecca Evans
signed

Why Come To Us For Your Adverse Credit Mortgage?

Here at Just Mortgage Brokers, we understand how difficult it can be to secure a loan or mortgage with a bad credit history and we’re here to help. In the current financial times it can be hard for anybody to get a mortgage but with an adverse credit history...

June 28, 2013 Just Mortgage Brokers
Trump Vs. Brexit borrower disruption
February 23, 2017 Carl Shave
Robo Mortgage Adviser
February 23, 2017 Carl Shave
Mortgage Rate Limbo
January 29, 2017 Rana Miah
Should you switch mortgages
January 21, 2017 Carl Shave
What does 2017 hold for landlords
January 11, 2017 Carl Shave
Starter Homes scheme
January 8, 2017 Rana Miah
Christmas Opening
December 21, 2016 Carl Shave
Is Peer to peer lending the future?
December 19, 2016 Carl Shave
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December 9, 2016 Rana Miah
Brexit Mortgage Rates
November 28, 2016 Rana Miah
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November 20, 2016 Carl Shave
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Are Secured Loans Making a Come Back?
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House Price Myths
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Best mortgage deals
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Brexit impact on contractor mortgages
July 22, 2016 Carl Shave
Market Uncertainty
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Specialist financial advice
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Brexit Mortgage Rates
June 22, 2016 Carl Shave
Bridging loans
June 21, 2016 Carl Shave
Green mortgage
June 13, 2016 Rana Miah
Contractor mortgages
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Monopoly mortgage price war
May 24, 2016 Rana Miah
0% mortgage gamble
May 18, 2016 Carl Shave
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April 22, 2016 Rana Miah
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April 22, 2016 Carl Shave
Budget 2016
March 31, 2016 Carl Shave
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March 22, 2016 Rana Miah
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March 11, 2016 Rana Miah
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March 11, 2016 Carl Shave
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February 22, 2016 Carl Shave
How Bad Is Bad Credit?
February 9, 2016 Carl Shave
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January 21, 2016 Carl Shave
Rising UK house prices
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December 21, 2015 Carl Shave
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December 9, 2015 Rana Miah
House Keys
November 26, 2015 Carl Shave
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November 26, 2015 Carl Shave
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November 4, 2015 Carl Shave
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July 30, 2015 Rana Miah
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November 24, 2014 Just Mortgage Brokers
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November 21, 2014 Rebecca Evans
Understanding mortgages with bad credit
November 20, 2014 Just Mortgage Brokers
Interest Rates Rise
November 20, 2014 Just Mortgage Brokers
Mortgages sky rocket
November 11, 2014 Just Mortgage Brokers
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October 31, 2014 Rebecca Evans
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October 29, 2014 Just Mortgage Brokers
Benefits and Bad Credit Mortgages
October 15, 2014 Just Mortgage Brokers
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October 2, 2014 Rebecca Evans
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October 2, 2014 Just Mortgage Brokers
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September 27, 2014 Just Mortgage Brokers
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September 25, 2014 justbadcredit
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September 24, 2014 Rana Miah
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September 2, 2014 Rebecca Evans
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August 23, 2014 Rebecca Evans
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June 29, 2014 Just Mortgage Brokers
1. Mortgage approvals
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1.  Pets
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1. News
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1. Leek
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