BLOG

Look out for some interesting articles, features, insights and news here on our ‘Howard Mortgages Blog’ page…

Through our blog, we’ll report, analyse and provide perspective on financial services . We will strive to provide blogs regularly, we hope you enjoy them!

Your home may be repossessed if you do not keep up repayments on your mortgage

Autumn Statement Summary PDF

The post Autumn Statement Summary PDF appeared first on Howard Mortgages. ...
24 November, 2023
Interest Rates: A remarkable end to increases

The recent trajectory of interest rates has undoubtedly been at the forefront of everyone’s thoughts. However, in a surprising turn of events, the Bank of England’s base rate has recently remained stable following a remarkable streak of ...
09 October, 2023
First Time Buyers Schemes – Find out what schemes could work for you

Buying your first home can sometimes be difficult to navigate however there are a few schemes available through the government and some of the UK’s housing delevopers. Read on to find out about a few different housing schemes. Lifetime ISA (LISA) Th...
09 October, 2023
Temporary Relief: EPC Changes on Hold for Landlords

As a landlord, staying informed about regulatory changes is a crucial aspect of managing your properties effectively and recently, many have been wondering when the proposed Energy Performance Certificate (EPC) updates were due to roll out. These up...
09 October, 2023
Swap rates. What are they and why should you know about them?

What are Swap Rates? Swap rates, also known as interest rate swaps, allow two parties to exchange interest rate cash flows over a specified period. In the context of mortgages, banks and lenders use interest rate swaps to manage their own exposur...
27 July, 2023
Self Care For Your Mortgage and Protection

As daffodils and tulips bloom across gardens around the country, the prospect of new starts – and better weather – can help lift people’s spirits. As part of your spring ‘self-care’ workout, it’s a great time to make sure your finances are on track...
02 July, 2023
Skipton Building Society 100% Mortgages

Skipton Building Society is now offering a 100% mortgages for first-time home buyers who are currently renting. For the first time since 2008, there is now a no-deposit deal – that doesn’t require a guarantor’s backing available to those who qualif...
29 June, 2023
First-time buyer guide: all you need to know about getting a mortgage and buying your first home

Welcome to our first-time buyer guide. Whether you’ve been living with your parents or you’re leaving the world of renting behind, not much beats the excitement of moving into your very first home. Owning a property feels like a true milestone in...
05 July, 2022
LANDLORDS – Big changes coming…

As the UK works to achieve net zero emissions by 2050, the energy-efficiency of people’s homes is under heavy scrutiny right now. Ministers haven’t formally announced changing the EPC rules for the rental market just yet, but the move has been wide...
30 May, 2022
Bridging loans explained: who are they for, how do they work, and what do they cost?

A bridging loan is a particular type of short-term property finance, covering anything between a few days to a couple of years. The loans provide an interim solution when the standard mortgage process is either unavailable or unsuitable. Bridgin...
21 March, 2022
SELF-EMPLOYED MORTGAGES: OUR HANDY GUIDE TO BORROWING WHEN YOU WORK FOR YOURSELF

As of November 2021, there were 4.2 million self-employed people in the UK, and many of them will think about owning their own homes at some point. Mortgage lenders will consider you self-employed if you own at least 20-25% of a business, and when....
24 February, 2022
MORTGAGES IN RETIREMENT: A GUIDE TO BORROWING FOR PEOPLE AGED 55 AND OLDER

As a nation, we are living longer and healthier lives, which means there are more things we can and want to do in our retirement. Whether it’s making a final move to a dream home and location, splashing out on some well-earned luxuries or......
28 January, 2022
THE BANK OF MUM & DAD: FOUR WAYS TO HELP YOUR CHILDREN ONTO THE PROPERTY LADDER

It’s getting harder and harder for people to get onto the property ladder. As a parent, when you see your child struggling to get on the first rung, you’ll naturally want to help. Even at the average price of property in the UK......
15 December, 2021
LANDLORDS BUY-TO-LET FINANCE: MORTGAGES EXPLAINED FOR LETTINGS, HMOs AND SERVICED ACCOMMODATION

Becoming a landlord, growing a portfolio and creating a passive income can help you switch careers, change your lifestyle and build a solid financial future. There are various models of a buy-to-let business, and you don’t necessarily need to be a ...
20 November, 2021