First Time Buyers

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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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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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 …

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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 …

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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 …

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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 …

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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 …

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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 …

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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 …

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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 …

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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 …

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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 …

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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 …

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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 …

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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 …

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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 …

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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 …

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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 …

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