Entries by Chris Howard

Brexit – what next?

Given the results of the Brexit referendum on Thursday, please rest assured Howard Financial Management Ltd will be liaising with our lenders, insurance providers, suppliers and our own industry trade bodies to allow us to best inform you of any developments as they emerge along the road to exit of the EU. As we go through […]

How to Boost Your Chances of Getting a Mortgage as a First Time Buyer…

As we have said in another article in this series – How much can I borrow? – getting approval for your mortgage isn’t just about how much you earn; lenders now also focus on affordability, how good your credit score is, and how clear credit history is too. So, to improve your chances of being […]

So… what is ‘Help to Buy?’ And… what is ‘Shared Ownership’?

In another article in this series for first time buyers, we have set out the basic types of mortgage available. This includes information on repayment vs interest only mortgages, as well as details on variable and fixed mortgages. However, there are schemes specifically in place for those who are either struggling to save up for […]

What is the Process for Getting a Mortgage as a First Time Buyer?

Things are getting exciting now. You’ve found the perfect property. They’ve accepted your offer. It’s all systems go. So what happens next? You speak to your adviser and get the ball rolling… that’s what! What will my adviser do first of all? Having ascertained what your plans are in the short, medium and perhaps even […]