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How to Improve Your Credit Score in London?

Credit Score Mortgage Advice in London

How to improve my credit score? | MoneymanTV

A credit score is a numerical expression based on a level analysis of a person’s credit files to represent an individual’s creditworthiness. Lenders use this numerical expression to determine your affordability for a mortgage, loan, credit card, and the rest. Although different lenders have different credit scoring criteria, the credit score listed on your file will usually range from 300-800+.

Credit score criteria

???? 300-580 – This is an example of a poor credit score, and having a credit score like this may minimise your chances of being accepted by a lender.

???? 580-670 – A score like this is deemed fair, and some lenders may be more lenient with you when you have a score alike.

???? 670-740 – This is a good score, and your odds of being accepted will be high if you have this score on your credit file. We tend to find that this is usually the average credit score range.

???? 740-800 – This score is excellent. A score as good as this will put your chances even higher of being accepted.

???? 800+ – If you have a score that’s 800+, that is a perfect credit score. Your chances of being accepted are well above average; well done!

If you have a credit score above 670, a lender will likely see no problem lending to you. On the other hand, if your score is less than 670, you may struggle to get the competitive deals that other applicant’s with a higher score are accessing.

Reasons why your credit score may be lower

Our team of Specialist Mortgage Advisors in London have dealt with an extensive array of cases daily. It’s often the case that mortgage applicants come to us after being declined by their bank due to a low credit score or something similar. Their job is to step in and assist wherever they can to get your application mortgage ready.

There are various reasons why you could have a low credit score. The most common understanding that we come across is that the applicant is the subject of a county court judgement (also known as a CCJ). If you fail to repay a loan/borrowed money, you will likely get a CCJ.

A CCJ can leave a harmful impact on your credit file for up to six years or more. We strongly advise that you make sure that you pay off your debt before applying for credit. It will surely pop up on your file, and the lender will start asking questions.

Can I get a Mortgage with a CCJ?


Neglecting to stick to credit agreements can be bad too. Anything like failing to keep up with a Mobile Phone contract can cause damage to your file. It’s the little things like this that can cause substantial damage. For example, dipping into your maximum arranged overdraft every month could cause a long term adverse effect. Even using loads of price comparison websites can sometimes affect your score.

Poor credit score? Don’t Panic

These are just a few things that could negatively impact your credit rating, and there are lots of other reasons why you could have bad credit. However, our mortgage advisors in London job is to help you develop your score, so you get the chance to move into your dream property!

There are multiple ways to improve your score. But the most crucial part is not to give up just because you have a low score because it’s still possible to secure a mortgage in some cases.

Credit Score Mortgage Advice London

Improving your credit score in London

Trying to improve your credit score can be a challenging task, that’s why we hope that this handy guide can give you some indication on how to improve it. We must inform you that every lender has there very own lending criteria, so your score may impact what deals you can access.

Additionally, it also means that just because you have an excellent score doesn’t mean that you’ll match every deal. It’s sometimes down to personal circumstances. It’s all up to your lender and their criteria.

Avoid unnecessary credit searches

Every time you go directly to a lender and their in-house mortgage advisor puts you through for a deal, they will perform a soft or hard credit search on you, and this search will leave an imprint on your credit file. If your application gets declined for any reason, the credit search performed could harm your credit score. Multiple searches may lower your chances of getting accepted for a mortgage in the future.

Avoid credit applications

Applying for credit can sometimes ricochet on you, especially if you don’t have a reason for doing so. If you can pay back the credit that you’ve borrowed, it may look good on your application. However, flip the situation on its head, and your credit score could end up in trouble if you fail to meet the credit payment deadline.

During your mortgage application, we strongly advise that you hold off applying for credit. In some cases, you may be able to get away with it, but lenders may believe that you are struggling for money in other scenarios, they could think that you are putting it towards your deposit or using it to aid your mortgage payments.

Here at Cambridgemoneyman, we aim to get it right the first time, which means that we will take a look at your credit score and only approach lenders that hold criteria that we know you’ll pass.

Are you registered on the voter’s roll?

Here’s an easy way to improve your credit score; make sure that you get registered on the voter’s/electoral roll. Being registered on the roll shows that you are who you say you are. All you need to do is go to the government’s electoral roll page, and it’s easy to get registered from there. Additionally, this could be a great way to boost your score.

You must provide accurate information when registering on the voter’s/electoral roll, ensuring that everything gets filled out correctly. You will need to use your current living address, not your previous address.

The importance of updating your address

We always recommend checking that all of your accounts and details get linked with your current address during the mortgage application process. Additionally, this won’t affect you as much if you are a First Time Buyer in London and this is your first application.

However, if you are Moving Home in London from rented accommodation and you still have your parents address linked with any of your accounts, your lender will pick up on it straight away. That’s why it’s essential to change your addresses and make sure that it’s up-to-date before applying. Being linked to the wrong address could impact your credit score.

If you go down the broker route, your Mortgage Advisor in London will help you out with this step. They will make sure that everything is updated with you to ensure that you have the best chance possible of being accepted for a mortgage.

Don’t run too close to your maximum limit

Maxing out your credit card(s) each month will heavily impact your credit score. Your lender will like it if you can pay off your credit card balance each month as it shows that you can manage your money.

If a lender can see that you are exceeding credit card limits and always dipping into your overdraft, they may think that you don’t take your finances seriously.

Remove financial links to others

If you are still financially linked to an ex-partner or family member, your credit score could be getting harmed without you even knowing. If the account is still active and live, you won’t be able to remove your links. The only way to remove your connection is to get in touch with the credit reference agencies and make a request.

Is it all about your credit score?

Depending on the lender and how strict their lending criteria is, they may be lenient and allow some wiggle room. If there are some personal reasons involved, your lender may be considerate and factor them into your application, and it’s entirely up to them what they do.

A Mortgage Broker in London like us will always be transparent with you and factor in every bit of detail. Even if you have a score on the lower end of the spectrum, our hardworking team of Mortgage Advisors in London are determined to secure you a deal that will suit you.

We have access to specialist mortgage deals through our vast panel of lenders; we are sure that we will find one that matches your mortgage needs. If you need further assistance or Credit Score Mortgage Advice in London, feel free to get in touch with our team.

Help to Buy & Equity Loan Remortgage Advice in London

Help to Buy Mortgage Advice in London

Market Update: Help to Buy Equity Loan & Shared Ownership

A Help to Buy introduction

In the time period that followed the credit crunch, during 2013, the UK Government introduced a new mortgage scheme with the intention of strapping a rocket to the property market and hoping to see it soar once again. This new scheme was called Help to Buy and its mission was to assist First-Time Buyers in London in finding their footing on the property ladder.

At long last, thanks to Help to Buy, there was confidence in the market once again. Things were not completely normal, however, as homeowners and lenders alike were still left a little cautious. Mortgage lenders were being very careful with who they lent to and how much they gave out to borrow.

There are multiple different Help to Buy schemes, with some going strong since 2013, and others that have not. One of most popular Help to Buy schemes is called the Help to Buy Equity Loan, a scheme that is still available to this day for customers to take advantage of if they need to.

Help to Buy Equity Loan

If you are an inexperienced First-Time Buyer in London, the Help to Buy Equity Loan scheme could be an incredibly helpful way to get yourself onto the UK property ladder. There are requirements, but they are quite straightforward;

  • You must be applying for a mortgage for on a newly built property.
  • You must be a First-Time Buyer. You used to able to access the scheme as a home mover, however this changed as of December 2020.
  • At application point, you must have a deposit of 5% or more.

It’s at this point that the Government will loan you up to 20% to make up the total of a 25% deposit. For example, if you have a 10% deposit, the Government will loan you 15%; you have 7% they loan 18%, and so the pattern continues.

Deposit & Equity Loan Estimates – Londonmoneyman

It is very important to remember that this Equity Loan is a loan and not just free money. This means that the loan will have to be paid back on top of your 75% mortgage. You get a period of 5 years to pay back this loan interest-free, though after these 5 years, you will start gaining interest on the remaining loan amount, starting at 1.75%.

Remortgage for your Equity Loan Repayment

You may have already accessed the scheme and have reached the 5 year period for your interest-free loan, unable to pay off the remaining balance before interest accrues. You may find the help from an expert Help to Buy Mortgage Advisor in London extremely useful as you may need to organise your repayments via the route of a Remortgage.

In taking out a Remortgage in London, it may be possible to combine your remaining mortgage amount and your equity loan amount into one set of monthly repayments. Once again, if you are struggling to meet your repayments, it may be worth your time speaking to a professional Remortgage and Help to Buy expert in London.

Shared Ownership

The Help to Buy Shared Ownership scheme was introduced as a means of allowing homebuyers to purchase a percentage of a mortgage and then pay the rest back with monthly rent repayments. The share percentage of the home that you buy will likely be between 25-75%. The remaining percentage on the property belongs to the housing association.

This means that you share the property and you don’t own every bit of it. The percentage of the property that you own can be increased further down the line. As an experienced Mortgage Broker in London, we usually find that people increase their share in the home once they have settled in or when they have more money spare to do so.

Help to Buy Mortgage Advice in London

If you are in need of Help to Buy Mortgage Advisor in London, our team are here to help. As a company we have been helping struggling customers secure Help to Buy mortgages for many years now and know how to guide First-Time Buyers through the mortgage process.

Our advisors are available from 8am – 10pm, 7 days a week, so don’t hesitate to Get in Touch with us for expert Help to Buy Mortgage Advice in London.

Can I Remortgage in London for a Home Office?

Home Office Remortgage Advice in London

Home offices are constantly becoming more and more popular. Whether it’s down to the increase of Self-Employed workers or reworked business models, we are seeing a great amount of interest in them. With businesses having to adhere to the latest government guidelines, most employers have had to let their staff work from home. Whether this is going to be a permanent thing or not, we don’t really know; it also depends on your company’s business model.

If it’s looking like you’re going to be working from home for the foreseeable future, you may want to consider the idea of investing in a home office. You can’t work from a kitchen counter forever… can you?
 
There are a few different ways to get a home office, you can straight-up pay for one to get decorated and combine all of the costs, do it all by yourself or remortgage for home improvements. In this article, we are going to talk about the advantage of choosing to remortgage other the other options.
 
This is our remortgage for a home office video that is featured on our YouTube channel ‘MoneymanTV’. We hope that it helps you understand how you can remortgage for a home office: 

Remortgage for a Home Office UK | MoneymanTV 

What is remortgaging? 

First of all, what is a remortgage? A remortgage is a renewal of your current mortgage deal or a switch over to a new deal.

There are lots of different reasons why someone may want to remortgage, it’s entirely on the individual’s situation. You may want to remortgage to get a better deal and rate, your term may be approaching its end and you need another deal to roll on to or you might want to remortgage for home improvements.

As a Mortgage Broker in London, we would say that when you want to make big home improvements, going down the remortgage route is a very safe option. Extending your mortgage term for a little while longer to invest in home improvements could prove beneficial both short and long term. 

Remortgaging for home improvements 

Remortgaging for home improvements will slightly increase your mortgage payments each month, however, it will balance itself out in the long run. Your payments will increase as you are paying for the home improvements on top of your current mortgage deal; you will hardly notice the extra amounts though.

We would say that the average price for a home office is between £5,000 – £10,000. So, for example, if you were to go down the remortgage route, you may find that you have to only have to pay back as little as £20 – £60 a month over a 25-year term. Yes, your term will increase, however, you will get a brand new home office to enjoy at a small extra cost each month. You will also have equity built up in your property, and this will be used to fund the work on your home.

So you get to save money down the line and get a home office, it’s a win win scenario.

Reasons to remortgage for a home office

Whether you have been told by your company that you will be working from home from now on or have started your own company and are now Self Employed in London, there are many reasons to why investing in a home office could be very beneficial for your new working from home life

  • More productive – Generally speaking, people who work from home are more productive. People like being in a space where they feel most comfortable, it’s only human.
     
    If you have children, we do understand that it can be difficult to balance their attention and work (especially in lockdown), although, by the time your home office is ready, it’s likely that they’ll be back at school!
  • Travel costs – You can say goodbye to all travel costs when you are working in your home office. You are only travelling from your bed to your office!

    You can forget about filling up your car every week or paying for a daily bus/train ticket.
  • Saving time – You will definitely save time working from home; when you finish work, you will already be home. If you are lucky, you may even get an extra half an hour in bed!

    Your stress levels may also be reduced as you are avoiding the frustration of traffic, getting to work on time and making it home for something important.
  • Same job from home – Technology is great, isn’t it? Thankfully, modern-day technology allows us to do everything at home that we could do in the office. You can still participate in meetings over the telephone or on a video call; you don’t have to worry about communication. 
  • Flexibility – Your business may be generous and let you work different hours that suit you best. It could be to do the school run or to spread the working day out between your colleagues; there may be a good reason to start and finish earlier.
     
  • Environmentally friendly – Are you an eco-friendly person? Having a home office will allow you to do a bit more for the environment, without you even realising. Despite using electricity at home, you will still be reducing your carbon footprint as you won’t be using your car every day.

Remortgaging vs Moving Home in London 

Yes, Moving Home in London is an option, you could move into a bigger place with an office already built-in if you want to. On the other hand, you need to weigh up the costs of this option. On top of the property price, you will have to consider the costs of Moving Home in London, these include removal fees, property survey fees, mortgage arrangement fees etc. 

It will be more expensive, however, it’s a viable option if you are looking at Moving Home in London anyway. You could consider Moving Home in London to secure a place that already has an office space, however, you must know that this option will be much more costly than remortgaging.

Considering how little extra you will be paying per month, in the long run, remortgaging for home improvements could be your best option over moving home. If you are wanting to go ahead with a remortgage for a home office and don’t want to move home, now is your best opportunity to get Remortgage Advice in London

Remortgage Advice in London 

If you are looking for Remortgage Advice in London, you should get the ball rolling with Londonmoneyman. We offer a free remortgage consultation to every customer, so feel free to get in touch with us and claim it.

If you are tired of working from your kitchen table or a make-shift desk, now is the time to consider getting a home office. Whether you choose to fund it all at once or over a longer period of time through a remortgage, it’s entirely up to you.

Mortgage Market Update: Biggest Surge in Lending Since 2007

Mortgage Advice in London for 2021

Following on from the recent announcement made by British Prime Minister Boris Johnson, we felt it appropriate to share some positive news that came with the new lockdown rules.

Much like during the November 2020 lockdown, the property market is still open for business as usual. You are still able to take up house viewings, continue your purchase and put your home up for sale.

Below, we have a mortgage market update from the ‘moneyman’ himself, Malcolm Davidson:

Lockdown 2020 and obtaining a mortgage in London

Throughout the last lockdown, back during November 2020, there was a significant increase in the amount of mortgage enquiries banks and brokers were receiving. The boom in purchase approvals for homes reached an outstanding 105,000 in November, which was the highest recorded figure since August 2007.

Graphic: UK Moneyman | Source: Bank of England

In October 2020, purchase approvals were at 98,300. This increase of 6,700 is impressive when you think about where we were, working through the middle of a nationwide lockdown.

Obtaining a mortgage in London during Lockdown 2021

In terms of the property market, the January 2021 lockdown is currently working on a similar level to the previous one we experienced back in November 2020. You are still very much able to start your mortgage journey in 2021. How you start this is completely your call.

Whilst some take the route to do this themselves, accepting the help of a dedicated and experienced mortgage broker in London can reduce stress, time and the possible cost of the matter, depending on what you’re looking to do.

January is always a popular time of year for First Time Buyers, Home Movers, landlords and so on, with more mortgage products becoming available again as time progresses. This is allowing for more mortgage options to those looking to invest in the property market.

90% mortgages are still available

Yes, thankfully 90% mortgages are still available and lenders are getting more and more confident in the UK property market over time. They know that the demand for properties and mortgages is still alive and well, and that people will only start coming back when they are confident that they can get a deal with a 5-10% deposit.

There are also other ways to access a 90% mortgage, through something like the Help to Buy Equity Loan scheme or the Help to Buy Shared Ownership scheme. If you want a Help to Buy Specialist to walk you through the process, explaining how these methods could help you obtain a mortgage with only a 5-10% deposit, make sure to get in touch and a mortgage advisor in London will assist you how in any way they can.

We are open as usual!

The property market is still open, which means Londonmoneyman is ready for business as usual! We have a team of dedicated Mortgage Advisors in London available from 8am – 10pm, 7 days a week, all throughout the year to help you along your property owning path to a mortgage.

Don’t worry, we still offer a free initial mortgage consultation to all customers who get in touch, no matter the situation.

Remortgage Advice in London

Experienced Mortgage Broker in London

Remortgaging basically involves moving your existing mortgage to a new provider or switching to a different arrangement with your current lender.

It’s considered an effective approach to saving money on your scheduled mortgage repayments with competitive deals. If you’re struggling to decide whether it’s worth it to remortgage your property in London or not, you’re at the right place.

We’re here to help you make the right choice as your remortgage advisor in London. Here’s our list of top 5 reasons why you should consider remortgaging your property:

If Your Existing Deal is About to Expire

One of the best reasons for you to move to a new deal is if your current deal with a low fixed rate is about to end. You need to get expert mortgage advice from a mortgage broker in London at least three months before your existing deal expires and you have to pay a higher rate for it. This will allow you to explore various options and choose the one that fits you the best.

If You Want to Remortgage to a Better Interest Rate

At the start of your new mortgage deal, you mostly get a discounted introductory deal. It moves to your provider’s standard rate after 2 to 5 years.

If you believe that your new fixed mortgage rate is costing you too much, it’s the ideal time to switch to a deal that offers you a lower interest rate. Also, if you have a fixed rate deal with your current lender, you’ll be required to pay an early repayment charge or exit fee to repay your current mortgage.

Therefore, take a look at the total cost in comparison to the savings with a new mortgage deal before making a switch. If the difference is negligible, it might not be worth your while.

If You Want to Borrow More Money

Your mortgage lender might agree to lend you more money for a myriad of factors, such as buying property to let out, home renovations, going traveling, paying off debts, and even buying a new car. It can be a cost-efficient solution to remortgage your property for borrowing more money.

If your present mortgage lender in London has refused to lend you more money or is offering a deal that doesn’t suit you, you can raise more money at lower rates by moving to a new mortgage provider.

It’s important to note that your mortgage provider will ask you the reason you need to borrow additional money. Don’t forget to take all the fees into account to ensure that this is the cheaper way of borrowing money.

If You’re Separating from Your Partner

Sometimes changing circumstances, such as parting ways from your partner, can be the reason you want to make changes to your mortgage deal.

If you are thinking about selling your home, try remortgaging your property instead. Your lender will permit you to buy out your former partner with the money raised by remortgaging. However, it’s significant to bear in mind your current and new mortgage costs.

If You’re Worried About Increasing Interest Rates

If you’ve remortgaged your property in London, you might be familiar with the recent upsurge in the tracker rate mortgage of people who had it connected with the Bank of England after the bank hiked their base rate by 0.25%. Many people had to face their mortgage rate escalate and, in turn, their payments increase.

If you’re worried about the rates going up again in the future, it’s a wise decision to analyze your current mortgage deal and switch to a new deal by remortgaging.

Consult with Your Mortgage Advisor

We highly recommend you to reach out to your mortgage advisor to get all the gains and losses of your remortgaging arrangement evaluated before making the final choice. If you’re looking for a remortgage advisor in London, we can help to make the process smooth and hassle-free for you.

We hope this article will serve as your quick guide to remortgage in London and help you decide what works the best for you!

Why Choose us as your Remortgage Advisor in London?

Is your mortgage deal coming to an end? Are you looking for a replacement deal to switch over too? If so, your Remortgage Advisor in London is here to help!

Whether you’re looking to Remortgage in London to save money or to raise capital for one reason or another, then you’ve come to the right Mortgage Broker in London. We have been helping customers find outstanding remortgage deals for 11 years now, we know exactly what to do to find you an amazing deal.

For some borrowers, remortgaging can be a great way to improve your financial situation as it may give you the option to consolidate any short-term debts.

Remortgage Advisor in London

Getting Remortgage Advice in London could be within your best interests as you will receive full guidance and support from an expert Remortgage Advisor rather than doing it by yourself. A Mortgage Broker in London like us, will not only help you secure a deal they will try and help you save money in areas you didn’t think you could.

Common Remortgage Scenarios

Having worked within the mortgage industry for over 11 years, we have come across almost every single remortgage scenario. Here are some that we regularly come across:

  • People are looking for a more competitive mortgage deal
  • Customers are wanting to raise money when you remortgage as well as securing a new deal
  • Peoples personal circumstances have changed since you last took out a mortgage
  • Applicants have been turned away by their existing lender for one reason or another i.e. criteria, credit score
  • Customers get stuck on their existing lenders’ standard variable rate and have been told that they can’t afford a cheaper mortgage deal
  • People want names adding or removing from their current mortgage
  • People want to remortgage their existing property onto a buy to let
  • Sometimes we get an unusual situation and applicants just want to discuss their remortgage options with a Remortgage Advisor in London

Reasons to choose Londonmoneyman as my Mortgage Broker in London

With the introduction of the new mortgage market regulations in 2014, it became much harder to Remortgage without the help from a Mortgage Broker in London. People find it hard because of the sheer amount of mortgage types out there and it’s often hard to qualify for every single one of them. Also, people don’t really know the differences between the mortgage types whereas a Mortgage Advisor will and can tell you the difference between each of them and which one will suit you the best.

We work for you

We also work for you, we are not tied to any particular estate agents or lenders. We always have your best interests at heart, our aim is to try and find you a great mortgage deal based on your personal and financial situation.

Your experienced Mortgage Broker in London is not just here to get you a remortgage deal, we are here to support you through your remortgage journey, taking all of the stress off your back and making the process run as smooth as possible. We want the best for you and for you to come out smiling, knowing that you’ve received an excellent mortgage advice service that ended with you securing an amazing remortgage deal.

As your Remortgage Advisor in London, we are here for you from 8am-10pm, 7 days a week. You can get in touch whenever you want, we work around you. We also offer a free initial mortgage consultation, so make sure to get in touch as soon as you can!

Product Transfer V Remortgage Advice in London

Remortgage Advice in London

What is a product transfer?

When your current mortgage term is approaching its end, your lender may offer you a new deal to switch over to, this is known as a product transfer. You aren’t switching lender; you are just switching to another one of their deals.

You are under no obligation to stay with your lender, you can search around elsewhere for as many deals as you want. In fact, most people shop around, you may end up finding a better deal by doing so.

Are you rewarded for loyalty?

Unfortunately, the answer is no. Lenders will not reward you for loyalty, and that’s why, as a Mortgage Advisor in London, we always advise that you look elsewhere for a deal first. Most lenders prefer to offer better deals to First Time Buyers and new customers before their existing ones.

As a Mortgage Broker in London, we would recommend that you don’t be loyal to them and try searching for more competitive deals that could save you some money. We often find that there is a better deal out there, you just need to find it.

This is where we come in, we will search through 1000s of mortgage deals for you until we find the perfect one for your personal and financial situation. We have over 38 different lenders on panel and we can individually look through each one until we find a competitive deal for you. 90% of the time, we will find you an amazing deal that will save you both time and money.

Tempted by an online switch?

We know that it is extremely easy to switch over to a new deal online, we sometimes don’t blame people it’s that easy! However, it’s also very easy to make a mistake online and it could end up getting you on the wrong deal. If this happens to you, you are in a sticky situation as you chose to take no sort of financial advice, which lenders will have no sympathy for. Lenders like customers that switch over online as they end up making more money from you.

If you want the same fast service along with expert financial advice, you should approach a Mortgage Broker in London. For example, at Londonmoneyman, we always have your best interests at heart, we will always try to find the best deal for you and not for us. We aren’t tied to any lenders so we are free to choose any mortgage product that we think will benefit you the most.

Opting out of advice and consumer rights

As soon as you choose an online switch, you are waving goodbye to your consumer rights and protection that you would’ve got had you gone the Mortgage Broker route. It’s perfectly normal to conduct a mortgage switch online, we are just asking to be careful as we have seen customers fall into these traps before. Just because a deal is cheaper than your current one, doesn’t mean that you will match its criteria.

At the end of the day, we want the best for you, we want you to come out with the best remortgage deal/ product transfer possible. If you have any further questions or concerns about your remortgage, feel free to get in touch as we would love to try and help you. We know that remortgaging can be stressful and that’s why we are here to offer a helping hand through your remortgage journey.

Londonmoneyman.com & Londonmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

© 2021 Londonmoneyman

Londonmoneyman, Unit 3A, 34-35 Hatton Garden, Holborn, London, EC1N 8DX, UK

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