Should I remortgage before my fixed rate ends? 02/12/2021 What the stats are saying… Bank of England figures show that 67,200 new homebuyer mortgages were approved during November 2021. A pale comparison to the record 104,547 recorded in the same period last year. On the other hand, the statistics for remortgages appear to be trending […]
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What are mortgage stress tests? 15/12/2021 The Bank of England has been in the headlines again this week. This time they have released information about plans to scrap the ‘Stress Test’ rule, borrowers must be able to afford an interest rate rise of three percentage points. This plan to ease mortgage lending rules is aimed at helping
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Why income protection is a must for renters Updated – 17/11/2021 What is income protection? Income protection insurance ensures that if you are unable to work due to an accident or illness, you will still be able to keep up with any monthly outgoings. In an ideal world, with rents being so high, you should
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Young Athlete, Big Dreams 12/10/2021 What happens when you achieve your dreams both financially and personally but don’t know how to manage them? Young sportspeople have clear goals in sight from a very young age. The training and support provided to that young person to get them to professional level is all consuming. There is often little
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How long should my mortgage be? 27/09/2021 House prices increased a further 4.5% in the UK this June, now taking the average property price to £265,668. It is no surprise then that more and more buyers are starting to wonder, when and how am I going to be able to afford a home? If you
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Rugby Player Association partners with Prospect Tree Mortgages 17/08/2021 The Rugby Players Association (RPA) have today announced a new partnership with Prospect Tree Mortgages (PTM) on a one year member offer deal. Prospect Tree Mortgages have considerable experience in successfully obtaining mortgages for Rugby players playing both codes in the UK, factoring in the uniqueness
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Market Watch September 2021 “The question on everybody’s mind at the moment – what is the current market doing? The housing market is an ever fluctuating and unpredictable thing, something that has been even more apparent in 2021. With the initial stamp duty holiday doing exactly what it was supposed to do during the height
The return of 95% Loan to Value Mortgages! 5% mortgage deposits have returned 10/03/2021 The return of the 5% loan to value mortgage product will be welcomed by the first time buyer sector who, up until now, have been limited by lenders minimum loan to value percentages ranging from 75% – 90%, depending on employment
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Mortgages for Professional Rugby Players 11/01/2021 Prospect Tree Mortgages secure mortgages for Rugby players playing both Rugby Union and Rugby League in the UK. We also work with expatriates and foreign nationals living outside the UK that wish to finance property in the UK. We work with Rugby players with various length contracts, including players
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The challenge of obtaining a mortgage as a sports professional 22/01/2021 There are a few issues that make some lenders nervous when lending money to sports professionals, including the fact that they are deemed riskier due to shorter career lengths and the risk of injuries. All good lenders are keen to ensure that the mortgage
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