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General
2 October 2024

The Role of a Mortgage Broker

When it comes to securing a mortgage, navigating the myriad of options and requirements can be overwhelming. This is where a mortgage broker can be a valuable ally. Yet, despite…
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choosing the right neighbourhood to move toGeneral
19 September 2024

Choosing the Right Neighbourhood to Move to

When choosing the right neighbourhood to move to, it's essential to consider various factors that can significantly affect your quality of life, convenience, and overall satisfaction with your living environment.…
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reducing the stress of moving houseGeneral
9 September 2024

Reducing the Stress of Moving House

Buying a home is a significant life event that comes with a mix of excitement, anticipation, and a fair share of emotional challenges, therefore reducing the stress of moving house…
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financial commitments when owning your own homeGeneral
17 July 2024

Financial Commitments When Owning Your Own Home

Owning a home comes with several monthly financial commitments. So just what are the financial commitments when owning your own home? Here's a detailed list of these regular expenses: Mortgage…
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self-build funding optionsGeneral
3 July 2024

Self-build Funding Options

Funding a self-build project in the UK can be a complex but rewarding process. By exploring self-build funding options and planning carefully, you can effectively finance your self-build project. Here…
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conveyancing journeyGeneral
21 June 2024

Conveyancing Journey

If you're new to house buying and selling then it may be worthwhile to learn a little about the conveyancing journey. The conveyancing journey is the process of legally transferring…
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buy to letMarket News
12 June 2024

Buy to Let Update

Our very own Doug Hall has pulled together recent criteria and product updates within the Buy to Let lending markets. The information within this article is correct as at 24/05/2024.…
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generation rentGeneral
17 May 2024

Generation Rent

“Generation rent” refers to a demographic group aged 18-40, who are unable or choose not to purchase property and instead rent their accommodation.  Generation rent faces financial difficulties from high…
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green mortgages explainedGeneral
8 April 2024

Green Mortgages Explained

Green Mortgages are a type of mortgage designed to incentivise environmentally friendly practices and sustainable living. Here’s an explanation of how they work: Financial Incentives: Green mortgages typically offer financial…
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mortgage valuations and surveys explainedGeneral
27 March 2024

Mortgage Valuations and Surveys Explained

Mortgage valuations and surveys are crucial components of the home buying process, especially for those seeking financing through a mortgage. They serve different purposes, but are both aimed at assessing…
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getting onto the property ladderGeneral
6 March 2024

Getting onto the Property Ladder

Getting on the property ladder can be challenging, but with careful planning and financial discipline, it’s certainly possible. Here are some top tips to help you:   Save for a…
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what is a decision in principleGeneral
7 February 2024

What is a Decision in Principle (DiP)?

So what is a decision in principle (DiP)? In the context of obtaining a mortgage, a lender may provide a decision in principle, also known as a mortgage in principle…
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improve your chances of securing a mortgageGeneral
17 January 2024

Improve your Chances of Securing a Mortgage

Securing a mortgage can, at times, be challenging as lenders will refer to a borrower’s credit report to help determine how reliable a borrower you are and if you can…
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buy to let predictionsMarket News
3 January 2024

Buy to Let Mortgage Predictions for 2024

The beginning of a new calendar year tends to bring with it hope, New Year resolutions and of course, mortgage buy to let predictions. UK Finance, the trade association for…
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types of mortgages availableGeneral
6 December 2023

Types of Mortgages available to Borrowers

There are several types of mortgages available to borrowers in the UK. These mortgages can vary based on interest rates, repayment terms, and eligibility criteria. Here are some of the…
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securing the right buy to let mortgageGeneral
29 November 2023

Steps to Securing the Right Buy to Let Mortgage

In recent weeks, we have been attending the excellent NRLA On Tour events, which have featured a great range of topical and relevant information for landlords. At these events, we…
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product transfersGeneral
15 November 2023

Learn More About Product Transfers

Doug Hall, Director of 3mc took some time out to chat about product transfers; what they are, the benefits of product transfers and how using a broker can make life…
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purchasing a houseGeneral
24 October 2023

Thinking of Purchasing a House?

In 2019/20, 65% of households in England were homeowners. The 2014 British Social Attitudes survey found that, given a free choice, 86% would prefer to buy their own home rather than rent.* source…
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managing your household budgetGeneral
17 October 2023

Tips for Managing your Household Budget

Managing your household budget effectively is essential for financial stability. If you can pull together an accurate household budget, you’ll be in a good position to cut out unnecessary spending,…
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renting out your propertyGeneral
10 October 2023

Thinking of Renting Out your Property?

Renting out a property can be a profitable venture, but it comes with certain responsibilities and considerations. As a landlord, you will need to familiarise yourself with your legal responsibilities,…
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buy to let marketGeneralMarket News
26 September 2023

Buy-to-Let: Be Prepared

There has been no such thing as ‘normal’ in the buy to let mortgage market over the last year. High inflation, an uncertain economic outlook and turbulent money markets have…
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Steps and Considerations when Applying for a MortgageGeneral
11 September 2023

Steps and Considerations when Applying for a Mortgage

If you’re a first-time buyer and unfamiliar with the process of applying for a mortgage, then we have pulled together the steps and considerations when applying for a mortgage. Here’s…
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What to look out for when buying a houseGeneral
29 August 2023

What to look out for when buying a house

Buying a house is an exciting time, but sometimes people abandon reason in the face of a house that looks perfect on the surface. The beautiful face of your dream…
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Market News
10 May 2023

Track Record Mortgage for First Time Buyers

We are looking at recent changes in the First Time Buyer market and Skipton Building Society have launched their new 100% Track Record Mortgage product. Please get in touch as we can…
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Market News
9 April 2023

Summary of the Spring Budget

It has felt like a game of musical chairs at the treasury recently. Jeremy Hunt, complete with his red box, delivered his budget on March 15th holding the esteemed position…
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types of mortgagesGeneral
11 November 2022

Different Types of Mortgages Explained

Mortgages come in various types, each designed to cater to different financial situations and preferences. Here are some of the most common types of mortgages: Fixed-rate mortgages A fixed-rate mortgage…
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remortgaging your propertyGeneral
10 October 2022

The Pros and Cons of Remortgaging your Property

If you’re a homeowner, you may be considering whether to remortgage your property. On the one hand, remortgaging your property can offer several advantages, such as reducing your monthly payments…
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why was my mortgage declinedGeneral
20 September 2022

Why was my Mortgage Declined and what to do next

Applying for a mortgage can be a difficult procedure! If you are applying for a mortgage, it’s vital to understand all of the typical reasons why your application maybe declined,…
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house huntingGeneral
9 August 2022

House Hunting – Location, Location, Location

If this is your first time looking for a home, you may be wondering how to approach the process. When you first embark on this journey, you may feel overwhelmed…
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