MORTGAGE INSIGHTS & FINANCIAL NEWS

Expert advice and insights brought to you in our Windsor Hill blog

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eco-friendly technologies in your home

Renewable energy solutions encompass environmentally friendly technologies designed to be installed in homes, enabling the generation and storage of power from sustainable sources. These solutions harness abundant natural resources like sunlight, wind, air, water, and biomass to produce energy. Examples include solar photovoltaic (PV) panels and air-source heat pumps. Incorporating renewable energy solutions into your […]
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outgrowing your space

Choosing between improving your current home or purchasing a new one is a decision that requires careful consideration and effort. If your family is growing, your workspace is encroaching on shared areas, or your living spaces feel cramped, it may be time to upgrade your living situation. However, deciding whether to renovate or relocate is […]
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moving costs increase by 24%

Whether you're embarking on the journey of homeownership for the first time or you're a seasoned mover, having a grasp of the expenses involved in moving home is essential. While the prospect of starting a new chapter in a different location is exciting, it's crucial to maintain a clear understanding of the financial commitments. Moving […]
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how much could you borrow for your next home?

Acquiring your next property marks a significant milestone, entailing a substantial and enduring financial commitment. Maneuvering through the mortgage landscape requires finding a delicate balance. You aim to secure adequate borrowing to finance your next dream home while ensuring the repayments remain manageable over the long term. Established homebuyers often rely on substantial deposits to […]
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getting a decision in principle (DIP)

If you're in the process of purchasing your first home or selling your current property to move onto your next one, obtaining a Decision in Principle (DIP), also known as an Agreement in Principle, Mortgage in Principle, or Mortgage Promise, can be instrumental. This document signifies the amount of money a lender is likely to […]
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do you need an energy performance certificate (epc)?

Are you considering selling your property in England, Wales, or Northern Ireland? If so, it's essential to obtain an Energy Performance Certificate (EPC) before listing your property, as prospective buyers may request to review this certificate. In Scotland, sellers are required to provide a comprehensive 'home report,' which includes an EPC, a survey, and a […]
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first impressions count

THE FIRST IMPRESSION of your home often plays a decisive role for potential buyers, with many forming their opinions within minutes of arrival. This underscores the importance of not overlooking kerb appeal—the visual attractiveness of your home from the street. The exterior sets the tone for what awaits beyond the front door and significantly influences […]
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A Guide to helping you navigate the selling process

SELLING YOUR PROPERTY is a substantial endeavor, involving multiple steps and considerations that demand careful planning. To assist you through this process, here’s our step-by-step selling guide: Now, let’s delve into the final stages of selling a house: EXCHANGE OF CONTRACTS: This pivotal moment involves both parties committing to the transaction, typically with the buyer […]
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7 steps to prove you're mortgage ready

When contemplating a home purchase, navigating the mortgage application process may seem daunting. It requires gathering substantial information and paperwork. However, with proper preparation, you can smoothly progress through this process. Here are seven tips to help you do just that: By adhering to these steps, you can position yourself as a reliable candidate for […]
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securing a mortgage on a high risk property

Could climate change influence your mortgage application? Climate change could impact your mortgage application, as lenders increasingly consider the risks associated with climate change when assessing loan approvals for properties. Factors such as flooding, coastal erosion, landslides, and subsidence or sinkholes are now key considerations for lenders. The UK's Environment Agency reports a rise in […]
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shared ownership: an alternative to traditional home ownership

Shared ownership, an alternative to traditional homeownership, offers a viable solution for individuals struggling to enter the property market due to high property prices and mortgage costs. This arrangement enables prospective homeowners to purchase a portion of a property, typically between 25% and 75%, while paying rent on the remaining share. The deposit required for […]
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switching to an interest only mortgage

Many individuals are yet to confront the harsh reality of rising interest rates, a situation set to change dramatically for approximately 1.4 million people whose fixed-rate deals will conclude in 2023, most of which were initially secured at rates below 2%. With this looming deadline, some homeowners may be contemplating switching to interest-only mortgages to […]
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