Questions to ask when buying a house

By: Just 4 Mortgages Ltd

Taking out a mortgage is a big financial commitment and one of the biggest financial decisions you’ll take in your life.You face many choices, which is daunting when you’ve never done...

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Budget for the other costs of buying a home

By: Just 4 Mortgages Ltd

Apart from your monthly mortgage payments, there are others costs when buying a home. These include: Survey costs Solicitor’s fee Removal costs Buildings insurance Initial furnishing and decorating costs...

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Make sure you can afford your monthly repayments

By: Just 4 Mortgages Ltd

As a first-time home buyer, the most important thing to bear in mind is whether you can really afford to take this step. It’s wise to put together a...

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Affordable home-buyer schemes to get you on to the property ladder

By: Just 4 Mortgages Ltd

Several government-backed schemes aim to give home buyers a helping hand onto the property ladder. If you can use one of these schemes, lenders will still want to ensure...

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Freehold or leasehold

By: Just 4 Mortgages Ltd

If you want to buy a house, it’s likely you’ll buy the freehold, meaning you own the property and land it sits on. If you’re buying a flat, you’ll...

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Someone else can guarantee your mortgage

By: Just 4 Mortgages Ltd

If you’re struggling to get a mortgage to buy your first home, you might want to consider a guarantor mortgage. This means a parent, guardian or close relative agrees...

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Stamp Duty – Everything you need to know

By: Just 4 Mortgages Ltd

What is stamp duty? Stamp duty land tax (or land and buildings transaction tax in Scotland) is a lump-sum tax that anyone buying a property or land costing more...

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