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Author: WIS Team

How to Manage High Monthly Mortgage Payments

June 7, 2024

Discover how to manage high monthly mortgage payments in this article that offers advice like assessing your finances and assessing your mortgage terms. Undertaking a mortgage is a big financial commitment that can feel intimidating, especially if you’re dealing with high monthly mortgage payments. Thankfully, there are some things that you can do to manage these high payments to take away the stress and put you back on steady financial ground.

What is the minimum deposit required for a mortgage in the UK?

May 17, 2024

Learn what is the minimum deposit required for a mortgage in the UK with this article that looks at the different mortgages available and their deposits. Buying a home is a significant undertaking, symbolising not just a financial investment but a step towards stability and personal freedom. In the UK, navigating the housing market can be fraught with challenges, with various factors influencing your ability to buy a home.

Top 10 mortgage hacks for first-time buyers

May 10, 2024

Learn how to improve your chances of securing a first-time buyer mortgage with this article that offers the top 10 mortgage hacks for first-time buyers. Buying your first home is a landmark achievement that signals a new chapter in your life. For many, its a rite of passage that comes with a hearty blend of excitement and stress, especially when managing the mortgage.

How Long Should I Be in the UK to Get a Mortgage?

April 29, 2024

Learn the answer to the question, ‘how long should I be in the UK to get a mortgage?’ in this article that discusses residency requirements for mortgages. The UK boasts an incredibly strong housing and mortgage market, offering a fantastic variety of properties for sale. However, this arena can be quite competitive and complicated, especially if you’re new to it.

Effective estate planning: Protecting your assets for future beneficiaries | WIS Accountancy

April 19, 2024

Learn about effective estate planning and how it helps in protecting your assets for future beneficiaries in this article that looks at wills, trusts and more. Estate planning is the process of making advance arrangements to manage and distribute your assets after your death. Effective estate planning ensures that your wealth is passed on according to your wishes and that your loved ones are cared for.

Will a higher deposit get you better mortgage rates

March 15, 2024

Learn about how deposits work for mortgages in this article that looks to answer the question, ‘will a higher deposit get you better mortgage rates?’ and more. Securing the best rates for your mortgage is a smart move that will make it easier, and potentially faster, to pay off over time. One of the main areas where you can impact how the mortgage is set up is the deposit you put down – but could a higher deposit get you a better rate on your mortgage?

SPV mortgage vs personal BTL

March 8, 2024

The world of property investment is filled with different financing options, each with its own set of advantages, use cases and complexities. Two popular choices are Special Purpose Vehicle (SPV) Mortgages and Personal Buy-to-Let (BTL) Mortgages. Understanding the differences between these two can really help investors make informed decisions. So in this article, we’re going to compare these two financial products, look at their benefits and more to help you make the right financing choice.

Does the bank of England base rate really affect interest rates?

March 4, 2024

Find out the answer to the question, ‘does the Bank of England base rate really affect interest rates?’ in this article that looks at the current base rate. The base rate is often seen as a benchmark for interest rates across the economy in the UK. This rate is what the Bank of England charges other banks and lenders when they borrow money, making it an influential figure in the economic system.

10% deposit Islamic finance home purchase plans

February 16, 2024

Learn about 10% deposit Islamic finance home purchase plans in this article that looks at this unique financial product, what it means and how it works. Islamic finance, a system grounded in Islamic law (Shariah), offers a distinct approach to financial transactions, one that harmonises with the ethical and moral values of Islam.

UK Mortgage Market Overview 2024

January 30, 2024

Learn about what’s going on in the property market this year with this article that provides a comprehensive UK mortgage market overview for 2024 and beyond. As we step into 2024, the UK mortgage market presents a complex yet promising landscape for those looking to secure a mortgage. Post-Brexit economic adjustments, combined with global economic shifts, have significantly influenced the UK’s mortgage sector.