Integra News Latest News
Should You Remortgage?
Written by Cady Briggs
Remortgaging is the point when your current mortgage deal as come to or is coming to an end and you need to replace it with a new deal. Remortgaging can save you from higher standard variable rates, and can be used for purposes unrelated to your prop ...
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How Do I Protect My Business?
Written by Cady Briggs
Get Your Own House In Order First! At Integra Financial we take integrity so seriously, we named our business after it! So it made sense that when we began offering advice to our clients in the area of Business Protection, that we looked internally ...
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Get To Know Us!
Written by Cady Briggs
At Integra Financial, we value client relationships very highly and we thought, we know so much about our clients, so why don’t we let our clients know more about us? Me Hi! I’m Cady Briggs and I am the writer of this blog post. I am the market ...
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Blogs for Buyers: Hints & Tips
Written by Cady Briggs
When you decide to purchase property in the UK, you’ll need to talk to a number of people, go through a multitude of checks and maybe even face rejection before you get the keys to your home. We aim to make finance easy at Integra Financial Ltd, so ...
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Equity Release: What is it, and why is it so popular?
Written by Cady Briggs
Equity release has spiked in popularity over the last 11 years, but why? What is so great about equity release? Well, read on to find out everything you need to know! Equity release allows you to use the equity you have within your property(s) and s ...
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How to put life cover on expenses
Written by Integra Financial Ltd
Can I put it on expenses? Is it tax deductible? Perhaps the most commonly asked questions by business owners. And why not? We could be talking about substantial savings to a business vs having to pay corporation tax at 19% (and set to rise over the ...
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Is Bridging a good alternative to a mortgage? Here are 7 Bridging Finance facts for you to consider:
Written by Cady Briggs
A bridging loan is a flexible, short-term loan that is particularly useful in many situations such as breaking a chain to buy a property, renovating a property to make it appetizing for a high street mortgage lender, or even to extend the lease of ...
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A Lottery Win could cripple your Business
Written by Integra Financial Ltd
I was recently reading a post on LinkedIn discussing the importance of businesses taking Key Person Insurance. Right up my street of course! Whilst interested in the article itself, I was much more taken by one of the comments. Someone asked the aut ...
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2021 Breaking Records in Housing Industry!
Written by Cady Briggs
The Stamp Duty Holiday has caused a frenzy in the housing industry! March 2021 broke the record for most money borrowed for mortgages in 28 years, due to UK homeowners scrambling to beat the Stamp Duty relief deadline. Data has been collected by th ...
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How COVID-19 has left businesses vulnerable and without a safety net
Written by Integra Financial Ltd
It doesn’t take a genius to figure that many small and medium sized businesses will be struggling right now. Many will have seen their capacity to trade restricted and even though they may have been able to furlough their employees and therefore av ...
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Why do I need to hire a conveyancer? 5 searches that conveyancers arrange to ensure your safety
Written by Cady Briggs
Have you ever wondered why you need to hire a conveyancer/solicitor during the house buying process? Mortgage advisors cover paperwork and getting to the mortgage offer, so what do I need a conveyancer/solicitor for? Well, although we’d love to tak ...
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You only need to pay 5%? New government scheme offers new opportunities for housing sector!
Written by Cady Briggs
As we all know, the housing sector has taken a hit during the pandemic. Having strangers come and view your house, as well as viewing other people’s houses, whilst a viral disease is plaguing the country would be daunting for anyone. But it seems t ...
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It won't happen to me! Why is your business exposed to unnecessary risk?
Written by Cady Briggs
We are all guilty of this to some extent, right? Where does this state of mind come from? We see tragic events happen to other people from all over the world yet somehow we run with the premise we will always be ok. There is no sense to it. It can on ...
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What the Stamp Duty Holiday means for You (Residential)
Written by Cady Briggs
At the beginning of March 2021, it was announced that the stamp duty holiday has been extended until the end of June 2021. However, the stamp duty holiday has caused confusion for buyers across the nation, as they do not understand how this affects t ...
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Second Charge Home Loans: The Right Decision For You?
Written by Cady Briggs
If you are struggling to obtain additional borrowing with your current mortgage lender, perhaps due to affordability, or maybe even credit rating, then you may be considering taking out a Second Charge Home Loan. But, is this a good idea? Taking out ...
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As we welcome back 95% mortgages, a look back to the death of the 100% mortgage
Written by Ryan Boyd
It’s taken some time however, April 2021 will see the very welcome return of 95% mortgages to the UK market. This is such an important step as it makes the market that much more equitable, allowing a broader range of potential buyers to get onto th ...
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How much can I borrow? Why mortgage calculators can’t always be trusted!
Written by Ryan Boyd
What is the question everybody needing a mortgage wants to know? You got it, “how much can I borrow?” It used to be a lot easier Years ago the answer was much more straightforward. Lenders had pretty basic formulas that they worked to. It wo ...
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Stop Doing this if you want to get a mortgage!
Written by Ryan Boyd
So you want to get a mortgage. What are the mistakes that are all to easily made that could see your application miss the mark? Avoid these and you will maximise your chances of success! Ignoring Your Credit History Most lenders have a compute ...
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First Time Buyers
Written by Ryan Boyd
First Time Buyers Buying for the first time can be very daunting, here are a few steps to help you along the way. Speak to a mortgage adviser or maybe even a few to get a feel for you who want to work with. Once you have found the right ...
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Ex-Pat Mortgages
Written by Ryan Boyd
At Integra Financial Ltd we often get clients who are UK nationals living abroad, but wish to purchase or re-mortgage a property in the UK. Whilst these types of mortgages are more challenging, there are a number of mortgage lenders who will consid ...
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