Second Charge Mortgages | Raising Finance | Consolidate Unsecured Debt | Finance for Paying Credit Card
Second Charge Mortgages
Second Charge Mortgages 1024 576 NGI Residential Mortgages

If you are looking for finance but are struggling to get funding from your current lender, have you considered a second charge mortgage? This type of solution is considered as an additional mortgage and becomes a second charge against your house. A second charge mortgage can be useful for various purposes which includes home improvements…

What Is Let To Buy | Let To Buy Mortgage | Bridging Mortgage Gap | 2 Mortgages
What is Let To Buy?
What is Let To Buy? 1024 576 NGI Residential Mortgages

Have you found your ideal new home but are struggling to sell your existing property? Perhaps you and your partner wish to move in together but you both already own a home and don’t want to sell the remaining property? Whatever the reason, bridging the gap between purchasing the new home and covering a mortgage…

Residential Mortgages | NGI Residential Mortgages | Mortgage Advice Witney | Mortgages | Remortgages | Buy To Let | Bridging Loans | Second Charge Mortgages | Home Insurance | Protection Insurance
March budget to mark return to investment and borrowing
March budget to mark return to investment and borrowing 1024 546 NGI Residential Mortgages

The date of the first Budget since the general election has been set for 11 March. With an extra £100bn to be earmarked for infrastructure, the Budget will also be Sajid Javid’s first as chancellor, and will mark a rhetorical turn for the Conservative party away from fiscal austerity towards prudent borrowing. Javid told the…

The Benefits of a Holiday Let | Buying Holiday Home | Mortgage for Holiday Home | Holiday Let Mortgage
The Benefits of a Holiday Let
The Benefits of a Holiday Let 1024 576 NGI Residential Mortgages

Dreaming of buying a holiday home by the sea or in the tranquillity of the countryside? You’re not alone. Many of us have pondered the possibility of owning our own little piece of paradise to escape to at the weekend or for special occasions. Indeed, more and more people have turned this dream into a…

New Year | New Mortgage | New Home for 2020 | Finance for Property Makeover
New Year
New Year 1024 576 NGI Residential Mortgages

Welcome to 2020. A New Year always brings with it excitement and optimism. People set out their goals to improve health and wellbeing, they make a concerted effort to achieve everything they desire from a work environment and they plan to make sure family life is the best it can be. Often a resolution will…

Thinking Time | Financial Planning for 2020 | Finance for Home Extension | Second Charge Mortgage | Mortgage For New Home
Thinking Time
Thinking Time 1024 576 NGI Residential Mortgages

Now that the excitement of Christmas Day and Boxing Day has passed, it’s not unusual to find yourself in a reflective mood. Often this is the ideal thinking time, when you can start planning for what you want to achieve in 2020. Perhaps you fancy a home extension, or you want to raise some money…

Later Life Mortgages | New Mortgage at 60 | Mortgages for 50+ | Mortgage for Elderly
Later life mortgages
Later life mortgages 1024 576 NGI Residential Mortgages

Advances in healthcare and changes in lifestyle means that people are not only living longer but they are also staying healthy and active longer. In fact, some might say that 70 is the new 60! Think back to your Grandma and Grandad in their 60’s and it may seem like they were much older than…

Interest Rates At All Time Low | New Mortgage | Low Interest Rate Mortgages | Mortgage Advice Oxfordshire | Low Interest Rate Mortgage Witney
Interest rates are at their all-time low
Interest rates are at their all-time low 1024 576 NGI Residential Mortgages

Interest rates are currently at an all-time low and are not set to increase in the near future. This means that now is the best possible time to review your current mortgage deal to ensure that you are making the most of these unprecedented rates Whether your current mortgage deal has been in place for…

Self Build Mortgages | Mortgage for Building Own House | Mortgage for Self Build Project
Self build mortgages
Self build mortgages 1024 576 NGI Residential Mortgages

Over recent years building your own home has become very popular. More and more people are choosing the self-build option in a bid to avoid the generic boxes being built by the mainstream housebuilders. By commissioning a self-build project, people have realised that they can have the space they want, in the location they want,…

Self Employed Mortgages | Mortgage for Sole Trader | Mortgage for Tradesman
Self employed mortgages
Self employed mortgages 1024 576 NGI Residential Mortgages

Historically, securing a mortgage when you are self-employed has been notoriously difficult. Thankfully, things have changed. Now lenders can typically consider you even with only 1 years’ worth of accounts. For Sole Traders lenders can evaluate net profit and for limited companies there are a few options available, not just profit or dividends. With more…

The Ideal Time To Buy | House Buying | Advice on Buying A House |
The ideal time to buy
The ideal time to buy 1024 576 NGI Residential Mortgages

Traditionally Spring has been postulated as the ideal time to purchase a new property. With flowers coming into bloom, more daylight hours and the change in weather, more sellers enter the market, offering a greater variety for buyers. However, on the downside spring tends to be a seller’s market as so many people are looking…

Landlord Tax Relief | Landlord Mortgages | Mortgage Advice for Landlord | Mortgages Oxfordshire
Landlord tax relief
Landlord tax relief 1024 576 NGI Residential Mortgages

In April 2017 the Government introduced a change to tax relief on residential properties for landlords. Over the 5-years since its introduction that tax relief has gradually been decreased and in 6th April 2020 it will be restricted to a level where the relief is the same as the basic rate of tax. The following…

But To Let Market | Advice on Buy To Let in Oxfordshire | Buy to Let Mortgages
Buy-to-let market is stagnant but will improve: MS Leaders
Buy-to-let market is stagnant but will improve: MS Leaders 1024 576 NGI Residential Mortgages

The buy-to-let market is “stagnant and does not have enough new property being made available”, said a selection of voices at the Mortgage Strategy Leaders Forum event, adding that the future, nevertheless, looks bright. The panel, discussing ‘making buy-to-let work for your clients’ comprised of Lucy Barrett, managing director at Vantage Finance, Sarah Kelly, head…

Mortgages For The Gig Community | Self Employed Mortgages | Mortgage for IT Consultant
Mortgages for the Gig Community
Mortgages for the Gig Community 1024 576 NGI Residential Mortgages

Historically, obtaining a mortgage or re-mortgage, when you’re self-employed has meant that the application process is not necessarily as straight forward as for someone who is employed. With the recent trend towards a gig economy, many people are finding themselves self-employed for a finite period of time where historically they may have been employed. Nowhere…

Re-mortgage for Home Improvements | Funding for House Extension | House Extension Mortgage | Second Charge Mortgage | Home Equity Release
Re-mortgage for home improvements
Re-mortgage for home improvements 1024 576 NGI Residential Mortgages

The housing market has seen a real shift over the last few years, with people choosing to stay put and improve their existing property, rather than buy something new. From extensions to new kitchens, from garden makeovers to a new driveway, there are many ways to rejuvenate your current property to match the high finish…