#mortgage-advice

#mortgage-advice

Tax refunds can significantly aid homebuyers but should be used strategically based on individual financial circumstances.

Government is investing £2.65 billion in flood schemes to protect homes and businesses from flooding risks in the UK.

Prioritize your budget and location when buying your first home in London.

Understand the implications of freehold versus leasehold ownership.

Consider lifestyle preferences and long-term goals in your property decision.

Loan to Value (LTV) ratio significantly impacts mortgage rates.

Higher deposits or equity lead to lower interest rates.

Mortgage rates are priced in bands, improving with lower LTV ratios.

Home values can fluctuate, affecting LTV over time.

Understanding your budget and the seller's position is crucial in property negotiations.