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Make sure your credit score/profile is healthy, get a copy of your credit score and pay off as many outstanding debts as you can. Don’t undertake credit searches before looking at a mortgage.
You’ll need 3 months personal and business bank statements, an in-date passport and/or a driving licence, proof of your earnings (contracts and up to date CV or trading accounts if you don’t work via contracts) and proof of your deposit.
Either save, get a gift from direct family, or look at a product like Barclay’s Family Springboard mortgage or Lloyd’s Lend-A-Hand mortgage – these are amongst several products where family members place money in a savings account connected to the mortgage. Generally, the bigger the deposit, the lower the interest rate.
Stamp Duty Land Tax is one of the various costs that homebuyers ordinarily need to account for when buying a home, however, with the current stamp duty exemption buyers can stretch their cash further and get more house for their money.
The idea behind the threshold change was to stimulate a market that had reached a standstill involuntarily in response to COVID-19. And it has been successful.
As a considerable boon to homebuyers, an extension on the holiday will mean that the pressure on buyers to complete their mortgages before the deadline will be lifted.
Many homebuyers have benefited from the additional savings over the last year which increase exponentially based on the cost of the house.
We’re here to help contractors and other independent professionals get the mortgage they deserve. Call us on.
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As a Remus Rewards member, you’ll enjoy a £50 voucher should you choose to arrange your mortgage with us.*
*Offer valid for CMME customers on completion of a mortgage transaction
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