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Ross Stisi

7 Deadly Sins To Avoid When Taking Out Your New Mortgage..
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1 Lust.. An uncontrollable passion or longing. Passion and longing can be healthy, but it can also be very unhealthy when it comes to borrowing for "that perfect home in that perfect area". Don't overdo it. Make sure what ever...
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The industry has caught up to Later Life Lending
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It’s taken a long time for the industry to catch up with the facts, but they are finally able to offer people lending out with a normal retirement age. I’ve personally been speaking to lenders about this for years. The...
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Why it pays to know about Stamp Duty
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Stamp Duty/ Land and Buildings Transaction Tax (LBTT) can be a complicated added expense for purchasers to calculate due to the different rates that apply to different purchase types. Here’s a guide to help you understand the Stamp Duty/LBTT you...
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Protecting your Kids should the worst happen..
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As a parent you never want to think of something happening to you and leaving your children behind however the figures from Childhood Bereavement Network estimates that every 22 minutes in the UK a parent dies leaving dependant children, meaning...
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Super quick mortgage
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Whilst getting the best rate is crucial, it is often the case that someone will need a mortgage in the quickest possible time. Not all lenders are the same in terms of timescales and often there will be lot of...
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The Remortgage Challenge
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Many clients view going to the bank for a mortgage to be the easiest way to get a new mortgage. We often hear things like “they won’t need much information” or “we can get a good deal from our bank”....
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Fixed deals, best term
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There are 2-year, 5 year and even 10 year fixed with options in between. There are many considerations, with a variable rate mortgage your monthly payment may change with the movement of the bank of England base rate but with...
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BTL repayment versus interest only
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As opposed to your residential property which will normally be on a “repayment” mortgage, the BTL market heavily leans towards “interest only” due to the sale of the BTL property being a repayment vehicle. This means that when it is...
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Later life lending
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Traditionally mortgage lenders were uneasy at lending beyond the age of 70. However, due to these changes there are now lenders who are happy to go well beyond this to support a variety of differing borrowing needs. There may be a...
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What is income protection
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Most do not cover against loss of income or “income protection”. The irony with this is that you are statistically far more likely to be unable to work and need an income protection claim than the other 2 covers. With...
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Stisi Group Mortgages
The count down to the Stisi Group launch has started… the clock is ticking
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We made plans 3 years ago to join the Mortgage Advice Bureau as our partner firm to grow our business and that we would trade under the Mortgage Advice Bureau name until we were in a position to be able...
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