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Introduction When you’re navigating the world of mortgages, you might hear about mortgage brokers and wonder whether you need one. A mortgage broker can play a crucial role in helping you find the best mortgage deal and guiding you through the application process. But what exactly does a mortgage broker do, and how can they […]

Introduction If you’re looking to buy a home, you may have come across the term “mortgage in principle” (also known as an agreement in principle or decision in principle). A mortgage in principle is a key step in the home-buying process and shows that a lender is willing, in principle, to lend you a certain

Introduction A mortgage offer is one of the most critical milestones in the home-buying process. It’s the official document issued by your lender confirming that they’ve approved your mortgage application and are willing to lend you the funds to purchase a property. But what exactly is included in a mortgage offer, and what should you

Introduction When buying or selling a property, one of the most critical people you’ll work with is a conveyancing solicitor. They handle the legal aspects of the transaction, ensuring that the property’s title is correctly transferred and that all legal obligations are met. But what exactly does a conveyancing solicitor do, and how do they

Introduction When buying a property in the UK, one of the most significant upfront costs is Stamp Duty Land Tax (SDLT). For many buyers, finding the cash to cover the stamp duty in addition to the deposit and other costs can be challenging. A common question buyers ask is, “Can I add stamp duty to

Introduction For many homeowners, their property is their most valuable asset. Over time, as property values rise and mortgage balances decrease, you build up equity in your home. Remortgaging to release equity allows you to tap into the value of your property without selling it, providing a lump sum of cash that can be used

Introduction The conveyancing process is a crucial part of buying or selling a home, but one of the most common questions buyers and sellers have is, “How long does conveyancing take?” While the process can vary depending on several factors, there are general timelines you can expect during a typical conveyancing transaction. In this guide,

Introduction When buying or selling a property in the UK, one of the key costs you’ll need to budget for is conveyancing. Conveyancing refers to the legal process of transferring ownership of a property, and it involves several fees and charges. These costs can vary depending on whether you’re buying or selling, the complexity of

Introduction Buying a home is one of the biggest financial commitments most people make, and the mortgage deed is a key part of that process. But what exactly is a mortgage deed? How does it affect your ownership of the property, and what should you know before signing one? A mortgage deed is a legal

Introduction Purchasing a second home in the UK comes with additional costs, including the dreaded 3% Stamp Duty Land Tax (SDLT) surcharge. While this surcharge is designed to curb the buy-to-let market and second homeownership, many buyers are keen to find ways to avoid paying the extra tax. In this guide, we’ll explore legal strategies