Elementary Mortgage Solutions Blog

What is a Bridging Loan?

What is a Bridging Loan?

The question 'what is a bridging loan', may seem like financial jargon, but it provides actionable insights for homeowners and businesses across the country. When used properly, bridging loans offer powerful and profitable financial advantages. However, like all...

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Should You Overpay Your Mortgage?

Should You Overpay Your Mortgage?

The basic economic problem, having finite resources and infinite options, affects everyone from individuals to nation-states. Families often struggle to decide whether to save or invest when handling mortgage payments. However, should you overpay your mortgage, you...

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95% Loan-to-Value Mortgages are Back

95% Loan-to-Value Mortgages are Back

The UK mortgage market shows signs of improvements and is welcoming the return of 95% loan-to-value mortgages that require only a 5% down payment. This makes your dream home more attainable than ever! We take a closer look at how the new 95% LTV mortgages will work....

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A Guide to Remortgaging

A Guide to Remortgaging

Most homeowners take out a mortgage when they buy their property, and for most people, this is their biggest financial commitment. You don't have to be tied to your first mortgage agreement however, and remortgaging deals can save you money in some circumstances. This...

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Do You Need Life Insurance to Buy a House

Do You Need Life Insurance to Buy a House

Buying a home – especially for the first time – can be a stressful experience. There are a whole load of costs to consider – over and above your deposit. The paperwork seems never-ending. Add the emotional investment and strain, and it becomes clear why buying a home...

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Critical Illness Cover: What Are The Pros and Cons?

Critical Illness Cover: What Are The Pros and Cons?

Critical illness cover, also referred to as critical illness insurance or CIC insurance, is a form of insurance that pays out a lump-sum to the policyholder should they be diagnosed with an illness or suffer an injury that is covered by the policies terms. What is...

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What Does a Mortgage Broker Do?

What Does a Mortgage Broker Do?

Even if you're not a first-time buyer, the mortgage market can be complicated. There are hundreds of lenders with thousands of products offering different interest rates and different repayments options. Making the right decision is vital as a mortgage is one of the...

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Do I Need Income Protection Insurance

Do I Need Income Protection Insurance

If you own a car, a house or even a phone, then you’ll no doubt have insurance to protect against accidents or damage. When it comes to insuring possessions, we’re generally very thorough. The same, however, cannot be said when it comes to insuring ourselves. In the...

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What is a Buy to Let Mortgage?

What is a Buy to Let Mortgage?

Buy to let mortgages are best defined by what they’re not. They’re not residential mortgages, which lenders provide to help you buy a house to live in. Instead, buy to let mortgages provide capital to invest in property to rent out, for profit. In that sense, the...

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Can I Get a Mortgage if I’m Self-Employed?

Can I Get a Mortgage if I’m Self-Employed?

Mortgages for people who are self-employed work slightly differently to those that are acquired by people in regular employment. However, providing that you can prove your financial stability, you should have no issue in getting a mortgage as a self-employed borrower....

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Important Questions to Ask a Mortgage Broker

Important Questions to Ask a Mortgage Broker

Buying your first home can be a daunting task, and it is important that you ask the right questions to get the best deal. Mortgage brokers help you to find the right lender to meet your own mortgage needs. A good broker will also guide you through the process from...

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Is Now the Right Time To Remortgage

Is Now the Right Time To Remortgage

One of the questions we're asked frequently by our clients is when the Right Time to remortgage is? There are lots of factors that influence mortgage rates, including the cost of borrowing for the lender, the levels of competition in the mortgage market and the...

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