Buckingham James – Brentwood based Mortgage Broker December 2023 Call Us Now! The key to a successful mortgage application is preparationstart by getting a FREE copy of your credit file – see below this article! Monthly Mortgage Market Update – December 2023 In the realm of economics, the plot often unfolds unexpectedly. In the tale […]

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Easing Pressure on Property Prices: An Economic Slowdown Offers Renewed Hope for Homebuyers. Recent economic data has painted a picture of a slowing UK economy, with both services and production sectors witnessing contractions in October 2023. While this may raise concerns about overall economic growth, it could potentially bring some welcome relief to prospective property

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Buckingham James – Brentwood based Mortgage Broker November 2023 Call Us Now! The key to a successful mortgage application is preparation start by getting a FREE copy of your credit file – see below this article! Monthly Mortgage Market Update – November 2023 The Bank of England has kept interest rates at 5.25% for the

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Fixed Rate Mortgages Below 5% This is the first time since the financial upheaval caused by the mini-budget in September 2022, one of the UK’s leading mortgage lenders has lowered its two-year fixed mortgage rate to under 5% for home purchases. It’s been since March 2020; this major lender has provided a two-year fixed rate

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Property Market Update in October 2023 The latest statistics and trends in the UK housing market reveal a state of flux, with clear signs of price drops, a cooling of demand, and an uptick in supply. Here’s a breakdown of the present state of affairs: Nationwide reports that the average house price in the UK

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Buckingham James – Brentwood based Mortgage Broker September 2023 Call Us Now! The key to a successful mortgage application is preparationstart by getting a FREE copy of your credit file – see below this article! Monthly Mortgage Market Update – September 2023 We thought we’d share some news about the UKs first time buyers housing

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Choosing The Right Solicitor in 2023 The importance of choosing the right solicitor to handle your conveyance when purchasing a home in the UK Buying a home is one of the biggest financial decisions you will ever make, and it is important to ensure that the process goes as smoothly as possible. A good conveyancing

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Buckingham James – Brentwood based Mortgage Broker August 2023 Call Us Now! The key to a successful mortgage application is preparationstart by getting a FREE copy of your credit file – see below this article! Monthly Mortgage Market Update – August 2023 The Bank of England increased interest rates for the 14th time in a

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Air Source Heat Pumps in the UK in 2023 Analysing the Controversy Surrounding Air Source Heat Pumps in the UK in 2023 In the year 2023, the United Kingdom finds itself engrossed in a significant discourse surrounding air source heat pumps. These innovative systems have spurred debates about their potential benefits and drawbacks within the

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July 2023 Market Update July 2023 Housing Market appraisal: The UK housing market is in a state of flux in July 2023. After a period of sustained growth, house prices are now falling, and there are signs that the market is starting to cool. There are a number of factors contributing to this change. Rising

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Buckingham James – Brentwood based Mortgage Broker July 2023 Call Us Now! The key to a successful mortgage application is preparation start by getting a FREE copy of your credit file – see below! Are you a first-time home buyer? If so, you’re probably wondering how to prepare for a successful mortgage application. Here are

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Buckingham James – Brentwood based Mortgage Broker June 2023 Call Us Now! Market remains bouyant despite some regional slow downs The UK house price forecast for June 2023 shows continued growth in property prices, although at a slower pace compared to previous years. This can be attributed to factors such as a tightening of mortgage

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Opportunities for Buyers and Sellers in the 2023 Housing Market For buyers, the current housing market presents several opportunities: With property prices expected to continue their upward trajectory, albeit at a slower pace, investing in property now could lead to capital appreciation in the long term. Additionally, regional variations in the UK property market offer

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Buckingham James – Brentwood based Mortgage Broker May 2023 Call Us Now! 100% mortgages are back! Of course, to qualify for this amazing mortgage, applicants need to have a good credit history and have made on-time rental payments for 12 months. But for those who meet these requirements and can afford mortgage repayments, this is

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The Growing Role of Green Mortgages in 2023. Green mortgages:  Green mortgages are becoming increasingly more popular in the UK because they can help to fund the purchase of energy-efficient homes or refinance homes to help make carbon emission reductions by improving the energy efficiency of homes. The UK government has set a target of

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Buckingham James – Brentwood based Mortgage Broker April 2023 Call Us Now! Base rates are currently 4.25% but it isn’t all doom and gloom! In March this year, the Bank of England raised interest rates for the fifth time in a row, taking the base rate to 4.25%. But not all is doom and gloom.

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How to save costs when you move home Moving to a new home can be an exciting and exhilarating experience. However, the process of packing up your entire life and relocating can also be quite expensive. From hiring professional movers to purchasing new furniture, the costs can add up quickly. If you are planning a

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The advantages of buying a brand-new home Buying a brand-new home can be an exciting and rewarding experience for many homeowners. While there are certainly advantages and disadvantages to consider when buying any home, purchasing a new home comes with several benefits that are worth considering. In this article, we will explore some of the

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Top 10 Benefits of Making a Will Having a Will allows you to specify who’ll inherit your assets after your death. Without making a Will, distributing of your assets will be settled by the laws of intestacy, which may not be in accordance of your wishes. A Will can also be used to appoint guardians

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A Very Happy New Year! Here we are again at the start of a new year and many will be wondering what’s in store for us in 2023? With so many recent disruptive events shaping our lives at an unprecedented rate, it sometimes feels like we are on a hypersonic fairground roller coaster lunging at

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Decreasing Term Assurance Decreasing Term Assurance or DTA is a very cost effective way to cover your outstanding mortgage debt in the event of an untimely death. We all know of the uncertainties in life and can testify as to how from seemingly out of nowhere unexpected change happens! None of us know what the

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Critical Illness Insurance For well over 30 years now a South African Life Assurance company pioneered the way to protect people with a policy that pays out a tax-free lump sum in the event of a critical illness being diagnosed. When you consider just how many lives and their families are affected by a critical

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Housing Shortage in the UK The shortage of affordable properties in the UK has no doubt been a contributory factor in the rise in house prices. Even with mortgage rates still at a relative low level, it has become harder to get a foot on the housing ladder for first time buyers. The housing shortage

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Does buying a home in 2022 still make for a good investment? Buying a house has always been a popular investment, but with the recent turmoil in the economy, it’s more important than ever that you know what you’re doing before you throw your money into a 25-year commitment. The last time the market crashed,

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A Summary On Help To Buy You may have heard about ‘Help to Buy’ but may wonder what is it and how does it work? Help to Buy is a government scheme to help first-time buyers get their first property with just a 5% deposit. You can borrow up to 20% of the purchase price

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Get out Of Debt Get out of Debt – Starting Today! Debt has a way of breeding more debt and dragging you into an abyss of constant worry, stress, and anxiety. Simplifying your life means making getting out of debt your first and most pressing priority. Any debt, big or small is not something you

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Simplify Your Life What does a typical day in your life look like? If you’re like many of us, it’s probably rushed, hectic and stressful with loads of things needing to get done and not enough time! You may drop into bed feeling exhausted but with one last thought on your mind as you drift

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Bad credit remortgages Call Today Bad Credit Remortgages Are Available Remortgages for those with Bad Credit Not that long ago, it would have been extremely difficult for anyone with bad credit to obtain a mortgage in the first place let alone to remortgage. However, today there are so many funding options available and so many

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Bad credit mortgage? Call Today Bad Credit Mortgages. Do you have bad credit but now need mortgage advice? If so, read on to learn how we may be able to help you. Sadly, an increasing number of people find themselves, often through no fault of their own (e.g. divorce, illness, death of loved ones), missing

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What is a bad credit mortgage? Call Today According to figures released by The Joseph Rowntree Foundation, 3.8 million low-income households across the UK are in arrears, and 4.4 million have had to take on new or increased borrowing through the pandemic. Many of these households weren’t in arrears before the pandemic, and have faced

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What is a fixed-rate mortgage and what are the advantages? Call Today Let’s take a deeper look at fixed-rate mortgages and consider the advantages? In our previous post, we looked at the savings that could be made to your monthly repayments by switching to a fixed-rate mortgage. If you’re looking to buy a home or

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Want to save up to £200.00 per month on your mortgage? Call Today How to save up to £200.00 per month on your mortgage. With UK interest rates rising you could save up to £200 per month just by switching! Unless you have a long term fixed-rate mortgage the recent interest rate rises are likely

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Choosing A Mortgage Broker Call Today Choosing a mortgage broker? Make sure you look for one with experience, knoweldge and great levels of service. Oh and don’t forget to check out their reviews! You’re busy with a list as long as your arm. You’ve got a mortgage or a loan to arrange. And you’re growing

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Why Do You Need A Credit Report For A Mortgage? Get Your Credit Report Here Why do you need a credit report for a mortgage? The answer is just like when you take out an overdraft or apply for a credit card, a mortgage is a form of credit that you can apply for if

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Taking A Closer Look At The Mortgage Guarantee Scheme Let’s take a closer look at the UK Mortgage Guarantee Scheme Back in April 2021, the budget speech announced that first-time home buyers would be able to apply for help under the UK Mortgage Guarantee Scheme. This government measure aims to inject extra life into the

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Comparison Web Sites – The Pros and Cons What do comparison sites offer consumers? As the numbers of Financial Services and Mortgage products (as well as many other types of products) have become more numerous, and complex, over the years, numerous comparison sites have been launched, apparently with the aim of making it easier and

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How to get your foot on the property ladder? How to get your foot on the property ladder? When you need a mortgage, pulling together even a small percentage of the cost of a property (as a deposit) can be very difficult, but, here are some tips that should help. Of course, Buckingham James may

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95% Mortgages Are Back With Government Backing! https://buckinghamjames.co.uk/wp-content/uploads/2021/05/bjfs6.mp4 A new government-backed mortgage scheme to help people with 5% deposits get on to the housing ladder is available to lenders from today (19 April 2021). First announced at the Budget, the scheme will help first time buyers or current homeowners secure a mortgage with just a

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Life Insurance When should I take out life insurance? Buckingham James really understands the UK life insurance market and by talking to us could see you saving hundreds of pounds over the full term of your policy.  We believe that the best time to take out an insurance policy should be when you are young.

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Why Make A Will Why is it important to make a will? Although it’s not pleasant to think about the future when it comes to dying, it is really important that you have a will in place. So what is a will, and why do you need one? A will is a legal document that

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Usability tests with end users – survey reveals 50% of mortgage businesses had never carried out usability tests with end-users. In a recent survey of 50 mortgage firms that also included lenders, service providers and brokers, it was discovered that usability tests were hardly ever carried out and of those who took part in the

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Are you considering a self-build in or near Brentwood? Let us help with your self-build mortgage. Dudley Building Society, the intermediary focused specialist lender, which relaunched its self-build product range in September, is targeting the recent Right to Build Day (30th October) to draw adviser attention to the importance of the self-build sector as a growing source

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Are you considering buying a property in Brentwood? Considering buying a property in Brentwood and need a mortgage? According to Zoopla estimates, the average price for property in Brentwood stood at £522,040 in October 2020. This is a rise of 0.18% in the last three months (since July 2020) and fall of 2.20% since 12

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Is your lender asking you to repay the capital on an interest only mortgage? Retirement Interest Only Mortgages A large number of borrowers who are close to reaching retirement and also nearing the end of their fixed-rate interest-only mortgage are finding out that their current lender is looking for the capital portion of their mortgage

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Is your credit file preventing you from getting a mortgage? At Buckingham James we’ve been surprised by the increasing number of clients who are totally unaware that they have acquired poor credit files. And sadly, this problem is growing. In the process of helping clients with home mover or first time buyer mortgages, remortgages and

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Life insurance and COVID-19 At Buckingham James Financial Services we are increasingly getting asked by clients concerned about their life insurance during the evolving situation with COVID-19. One of the most common questions we are asked is, can coronavirus (COVID-19) affect me taking out a life insurance policy? The coronavirus (COVID-19) has naturally worried many

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3 Simple Tips on Sharing Your Home Finances Follow these 3 simple tips to help you organise and harmomise your live together. Starting out buying your first home together is an exciting time. However, newly formed couples may experience a challenging time adjusting to a different way of life, especially when it comes to financial

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First Time Buyers are more confident despite COVID-19 Following research from Legal & General over half of first time buyers are saying they will definitely be buying their first home in 2020 while 93% of them are also considering their first purchase during 2020. 35% of first time buyers have reported that COVID-19 has not

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