Check out our tips for a smoother move: 🔹 Know your budget range 🔹 Get your documents in order early 🔹 Understand your credit report 🔹 Don’t make big financial changes mid-process 🔹 Speak to a professional for guidance

Critical illness cover isn’t something most people like to think about, but it can play an important role in providing peace of mind. It’s designed to support you financially if you’re diagnosed with certain serious health conditions.

Ever wonder what the difference is between buildings and contents insurance? Buildings insurance typically covers the structure of your home. Contents insurance protects the belongings inside your home. #BuildingsAndContents #PropertyProtection #ProtectWhatMatters

Buy to Let mortgages differ from residential ones, rental income matters more than your salary, and larger deposits are often needed. Great to know if you’re exploring the landlord route. howardmortgages.co.uk #BuyToLet #MortgageTips #HowardMortgages #LandlordAdvice

Stamp Duty Land Tax (SDLT) can impact your property purchase costs. First-time buyers pay no duty up to £425k, while second homes face a 3% surcharge. Knowing the thresholds helps with budgeting. #StampDuty #Mortgages #UKHousing #PropertyMarket

Moving home is one of life’s biggest milestones, and with it comes a mix of excitement, and important decisions. Whether you're upsizing, relocating, or simply seeking a change of scenery, understanding your mortgage options can be just as vital as choosing the right property.

Thinking about a summer move? Here’s a rough guide to how long things really take: 🏡 Mortgage approval – 2 to 4 weeks 📑 Conveyancing process – 8 to 12 weeks 📦 Packing, planning & completing – Varies! #MortgageAdvice #HowardMortgages #HomeMoveTimeline

📝 Mortgage in Principle - A quick indication of what you might be able to borrow. Helpful for viewings and making offers. 🏠 Mortgage Offer – A formal agreement from a lender to provide you with a mortgage. #MortgageTips #HowardMortgages #UKProperty

☕ Weekend plans: House viewings or sofa dreaming? Whether you're out exploring potential new homes or just browsing Rightmove with a coffee in hand, every step counts. Enjoy the house-hunting (or house-dreaming)! #MortgageTips #UKProperty #RightmoveScroll #SaturdayScrolls

If you're nearing the end of your current fixed or tracker deal, staying with your existing lender and switching to a new rate (known as a product transfer) can sometimes be quicker and involve fewer checks than a full remortgage. howardmortgages.co.uk

When you take out a mortgage, you’ll choose a term, often 25, 30, or even 35 years. This term is the length of time you’ll take to repay the loan in full. It’s worth knowing how the term you choose can impact both your monthly budget and the total cost of your mortgage.

Once your mortgage application is approved, you’ll receive a mortgage offer from your lender. This is a formal document outlining the terms of your loan, including the interest rate, repayment type, and any special conditions.

We are seeking a highly organised and detail-oriented Mortgage & Life Protection Administrator to provide essential support to our mortgage and protection advisers. For more information or to apply for this role, please see the link below: uk.indeed.com/viewjob?jk=b41…

When viewing properties, it’s easy to get swept up in the décor or the view, but try to picture how the space will work for you day-to-day. Check things like natural light, storage space, and whether your furniture will fit. #HomeBuyingTips #MortgageAdvice #MortgageKnowledge

💡 Mortgage Myth Buster “You need a huge deposit to buy a new home.” Not always true! While a larger deposit can open more options, there are lenders who accept as little as 5%. The right advice can help you find what works for your budget and goals. #HomeBuyingMadeSimple

We are seeking a highly organised and detail-oriented Mortgage & Life Protection Administrator to provide essential support to our mortgage and protection advisers. For more information or to apply for this role, please see the link below: uk.indeed.com/viewjob?jk=b41…

Before you get swept up in property listings, take a moment to check your credit report. Your credit score plays a big role in how lenders view you, and even a small error on your report could affect the deals you’re offered. #MortgageTips #HomeBuyingAdvice #CreditScore

Thinking about moving this autumn? Did you know the housing market often sees a little boost at this time of year, as families settle back into routines after summer holidays?

Whether you’re a first-time buyer, moving home, or simply looking to review your current deal, understanding the basics can make the process much smoother. The more you know, the easier it is to make confident decisions about your home and your future. howardmortgages.co.uk

A common myth is that you must stay with your current lender when your fixed deal ends. In reality, once your initial term finishes, you will normally be free to move to another lender. #MortgageTips #MortgageAdvice