At this time of year, many of us are planning major life changes – and for some of us this means becoming a home owner. But how can you give yourself the best chance of passing a lender’s affordability test? Lenders use the test to…
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The North-South Divide
Myself and my partner come from Lancashire but due to work had moved to just outside London. We originally rented a one-bedroom studio flat at a cost of £925 per month and then in 2013 due to an inheritance decided it was time to buy.…
Getting a mortgage as a foster carer
Myself and my husband have been foster carers for 17 years and have always rented our home from the council. So we decided to find out if we were able to buy our council house. We were told that we could buy our home and…
My First Time Buyer Experience
This week I’ve been considering how difficult it is for first time buyers to get a foot on the property ladder. I got my first mortgage in 1991 and at the time the house I was buying was for sale at around £35000. I needed…
Buy to Let - Back in the Day
There was a time, some 10 years or so ago that I was considering becoming a buy-to-let landlord. I had amassed sufficient money to have some surplus cash and also my cash flow was good. The difficulty was house prices in the whole of the…