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If you wish to reduce your outgoings in the new year, one way to achieve this is to raise your mortgage balance and with the additional funds available pay off any outstanding credit cards, personal loans or car finance.  These often unsecured debts have higher rates of interest than your mortgage and are repaid over…

Whether you are employed or are self employed it is almost certain that as part of your mortgage application process you will have to pass an affordability check.  Affordability checks have become slightly more sophisticated since the mortgage market review took place in April 2014. Thorough mortgage brokers will often run a detailed affordability check prior to…

Since the Mortgage Market review (MMR) in April this year, I have had several client’s successfully borrow up to 90% of the value of their homes with two different mortgage lenders with just one years accounts.  The proof of income required is either a set of finalised accounts or an SA302 from HMRC.  One mortgage lender asked…

The majority of mortgage lenders are now lending to age 70 without the need for proof of income in retirement; I have found this mortgage policy will generally suffice for many people.  On occasion banks will lend to age 75 assuming you are a fair way off retirement, and that your role is not physically demanding….

You will need to prove your identity and your address first.  This is typically carried out by either your passport or driving licence to prove who you are and a utility bill or bank statement dated within the last 3 months to prove where you live.  The next step is to provide a payslip or…

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