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Ex-Pat Mortgages

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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First Time Buyers

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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Stop Doing this if you want to get a mortgage!

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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How much can I borrow? Why mortgage calculators can’t always be trusted!

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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As we welcome back 95% mortgages, a look back to the death of the 100% mortgage

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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Second Charge Home Loans: The Right Decision For You?

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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What the Stamp Duty Holiday means for You (Residential)

What the Stamp Duty Holiday means for You (Residential)

Written by Cady Briggs

At the beginning of March, it was announced that the stamp duty holiday has been extended until the end of June. However, the stamp duty holiday has caused confusion for buyers across the nation, as they do not understand how this affects them. Here, ...

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It won't happen to me! Why is your business exposed to unnecessary risk?

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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You only need to pay 5%? New government scheme offers new opportunities for housing sector!

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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