First Time Buyers

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 …

Is your credit file stopping you get a mortgage? Read More »

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 …

Setting up home together – make sure your finances are in harmony. Read More »

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 …

Setting up home together – make sure your finances are in harmony. Read More »

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 …

First Time Buyers Showing Confidence in Brentwood Read More »

COVID 19 update from Buckingham James Financial Services Go to our contact page to ask us for any advice you need right now in the midst of this crisis. We hope you’re keeping well, staying safe and adjusting to the new ‘normal’. The UK landscape for us all is changing rapidly so we just wanted …

COVID 19 update from Buckingham James Financial Services Read More »

Are you ready for a self-build project? Take a look at one of the fastest ways to build your own dream home! According to a survey by Statista in December 2019, property prices in the UK are the second-highest per square meter in Europe with Monaco being the highest and the UK at nearly twice …

Ready for a self build? Read More »

Which key attributes make a good Mortgage Broker? Here are the 4 key attributes of a good Mortgage Broker. 1. Effective communication is the key. A good mortgage broker is someone who can quickly and easily get into rapport and strike empathy which is critical in the all-important trust-building process. Mortgage brokers also need to …

The making of a good Mortgage Broker Read More »

Fast and specialist mortgage broker in Brentwood Essex Estate agents and vendors really appreciate applicants who can proceed smoothly and quickly and where you are in a position to do so can sometimes help you to negotiate a lower purchase price for your ideal property. TV programs like Location, Location, Location often report on ‘proceed …

Fast and specialist mortgage broker in Brentwood Essex Read More »

We are mortgage brokers in Brentwood Essex Buckingham James Financial Services are local mortgage brokers in Brentwood Essex. Being independent mortgage brokers we can offer you access to the widest possible range of mortgage lenders. We advise clients on homebuyer mortgages, fixed rate mortgages, buy to let mortgages, secured loans, product transfers, right to buy …

Mortgage Broker Brentwood Essex Read More »

Specialist Lending – Adverse Credit Mortgages Adverse Credit Mortgages. While lenders themselves naturally lend directly to individuals, brokers serve as middlemen between lenders and borrowers. Brokers make lending more accessible. It isn’t that individuals themselves cannot approach lenders for their mortgage needs. However, getting the best mortgage is where individuals find themselves hapless. With numerous …

Specialist Lending – Adverse Credit Mortgages Read More »

In favour of the Independent Mortgage Broker https://youtu.be/TrrqEQfBxD4 According to recent mortgage industry research, 31% of borrowers who went direct to a lender didn’t know how a mortgage broker could help with their mortgage search. Interestingly, 60% of those who went directly to a lender when they took out their last mortgage didn’t know that …

In favour of Independence – It’s in the numbers. Read More »

Don’t let inertia soak up your hard earned cash! Is inertia costing you money? According to a recent announcement from Citizens Advice, loyal customers who stay with their current suppliers, often due to inertia are losing up to £4.1bn a year. Citizens Advice made a super-complaint stating that this scam is causing losses amounting to …

Is inertia costing you money? Read More »

First time buyers – the future is looking good! First Time Buyers Dominate the market! The mortgage market is once again being dominated by first time buyers. Not since 1995 has this vital sector been seen so vibrant. It now makes up for more than fifty percent of all new mortgage applications, according to The …

First time buyers dominate the market. Read More »

First time buyers – the future is looking good! Good news for first time buyers. Mortgage rates are at a historically low level, having almost halved during the last decade, according to Moneyfacts – the Financial Services news and updates publication. Back in March 2009, The Bank of England cut interest rates to 0.5 per …

First time buyers – the future is looking very good! Read More »

The advantages of using a mortgage broker. https://youtu.be/vkZeNDFb3UM  What are the Advantages of Using Buckingham James for your mortgage? Well, if you’re thinking about buying a property or raising finance on your property, you are possibly going to need a mortgage. And if you are planning on applying for a mortgage, maybe you’ve thought about …

Advantages of using a mortgage broker Read More »

What do I need to apply for a mortgage? Buckingham James is a whole of market independent mortgage and protection advice broker. We deal with hundreds of lenders who each in turn offer multiples of different mortgage schemes and options. Thankfully, when it comes to applying for a mortgage they generally follow a similar pattern …

What do I need to apply for a mortgage? Read More »

Top viewing tips for first time buyers.  Top items to consider before buying your first home. Buying a property is probably one of the biggest single investments you are ever likely to make. For first time buyers, it can be a particularly exciting time but equally can be quite challenging with a large amount of …

First Time Buyer Tips For Viewing Property Read More »

Protection Insurance Advice by Buckingham James Planning for unwanted events to achieve peace of mind. Life is full of ups and downs, which is why it’s so important to plan ahead whenever you can. No one wants to give the matter too much thought, but there is something very reassuring about knowing that, if the …

Protection Insurance Advice by Buckingham James Read More »

Computer says ‘no’ When the Computer makes sensitive decisions The Financial Conduct Authority has warned that those applying for a mortgage should be made aware that robo-advisers (computer based apps) could be misleading borrowers over fees and the quality of the advice offered. This follows the continuous and topical debate centered on whether or not …

Computer says ‘no’ Read More »

Using a Mortgage Broker can save time and costly mistakes The value of a Mortgage Broker. Buying a home is one of the biggest purchases many people will ever make in their lifetime. It can be a complicated process that includes surveys, stamp duty, dealing with solicitors and insurances let alone the bewildering number of …

The value of a Mortgage Broker Read More »