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The Pros and Cons of Consolidating Debts onto a Mortgage

The Pros and Cons of Consolidating Debts onto a Mortgage

Consolidating debts is a financial strategy that many people turn to when they’re looking to simplify their finances and reduce the pressure of multiple monthly payments. One of the more common ways of consolidating debt is by adding it onto a mortgage.

make your home greener using a mortgage

Make your home greener using a mortgage

How to make your home greener using a mortgage. Making your home more energy-efficient and eco-friendly is one of the best ways to reduce your environmental impact, save on energy bills, and increase your property’s value. However, many homeowners believe that going green requires significant upfront investment. What if you could use your mortgage to…

Home Improvements

Top Tips for Financing Home Improvements with a Mortgage

Home improvements can significantly enhance both the value and comfort of your property. Whether you’re updating your kitchen, extending your home, or renovating a bathroom, it’s a great way to improve your living space. However, financing these projects can be costly, and many homeowners may not have the funds available upfront. If you’re considering financing…

Award

Phil Spencer Announces Home Financial As Top Mortgage Brokers In The UK For Customer Service

Home Financial wins award at the 21st ESTAS Awards, the most prestigious awards in the UK property sector The Birchwood Park, Warrington based mortgage advisers Home Financial received the Gold award for Mortgage Brokers in the North West at the prestigious ESTAS Customer Service Awards 2024 sponsored by Reapit & PayProp. The winners were announced…

Bank Rate and the housing market

Bank Rate and the housing market

In August, the Bank of England (BoE) cut Bank Rate for the first time since March 2020.  But what does this much awaited reduction mean for the housing and mortgage markets?   Bank Rate Bank Rate is the interest rate that the BoE pays to commercial banks who hold money with them. This directly affects…

Don’t invalidate your home cover

Don’t invalidate your home cover

Nearly two-thirds of UK consumers could have accidentally invalidated their home insurance*, according to a survey. Many people with home insurance said they have gone against common policy terms in the past. 11% have left their home unsecured, even though they are required to take reasonable measures to mitigate the chances of a break-in. Other…

Housing Policy

Labour’s changes to housing policy

Following Labour’s landslide election win, much of the nation is waiting to find out what is in store for the UK housing market.  Many major policy changes will be announced in the Autumn Budget on 30 October, but Housing Secretary Angela Rayner has already announced the new draft of the National Planning Policy Framework (NPPF),…

Housing changes the UK hopes to see

Housing changes the UK hopes to see

Before the election, property experts Rightmove carried out a survey to ascertain what this new government’s priorities should be when it comes to housing. Here is a roundup of what the nation is hoping for.   Speed up housebuilding One of the top recommendations was making improvements to the housebuilding process1. Buyer demand has increased…

FTB

Considerations for FTBs

Getting onto the property ladder has always been a challenge, but perhaps even more so at the moment. A report has found that it is currently the most expensive time to be a first-time buyer (FTB) in over 70 years1.   Managing monthly payments Higher mortgage repayments are a particular barrier to homeowning; between March…

Home Financial Charity Football Tournament

Home Financial Charity Football Tournament

On Saturday 11th of May, we held our first Home Financial Charity Football Tournament at Runcorn Linnets Football Club in aid of Halton Haven Hospice. It was a scorcher of a day and was great to see the players, their families, and friends enjoying the day’s events.  The competition was fierce among the 12 teams…

ESTAS24 BIP Generic Winners logo

Home Financial achieves the ESTAS ‘Standard of Excellence’ and Best in Postcode Award

Home Financial has achieved the ESTAS ‘Standard of Excellence’ to make the ESTAS – the biggest award scheme in the UK residential property industry, shortlist for the 5th consecutive year.  In addition, they have been recognised for delivering outstanding customer service to their clients by winning a Best in Postcode Award. The ESTAS ‘Standard of…

row of houses

Budget overlooks first-time buyers

It was a disappointing Spring Budget for anyone looking to get onto the housing ladder. There was a distinct lack of announcements concerning Lifetime ISAs (contrary to expectations), no replacement for Help to Buy and no changes to Stamp Duty thresholds, a disappointment for many.   Just a few days ahead of the key fiscal…

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Home Financial is a team of mortgage brokers offering mortgage advice and insurance services.

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