About – Robert Bradford

I’m a Cemap qualified mortgage broker based in the north west of England. If you think I can help please get in touch here on the website.

Mortgage News From Mortgage Strategy

Feature: The good, the bad and the average

As the market settles into 2019, which buy-to-lenders have set solid foundations for the year ahead? Natalie Thomas finds out When the going gets tough, the tough get going – and that certainly seems to have been the motto that those operating in the buy-to-let market have had to live by in recent times. As […]

FSCS declares four firms in default

The Financial Services Compensation Scheme has listed four financial services firms as insolvent during January. Three of these were financial advisers and one a mortgage adviser. The companies were the Mortgage Matters Partnership, based in Cheshire, Montpelier Group Limited, based in the West Midlands, and Balfour Group Limited and Allan McRoberts, based in Edinburgh and […]

Mortgage Guides From Lending Expert

What Is An Early Redemption Penalty or Charge?

Early Repayment Penalty also refers to Early Repayment Charge (ERC) and indicates a fee you might be required by a lender in case you paid off your mortgage or loan prior to the credit facility’s scheduled term. A redemption penalty is usually equal to one […] The post What Is An Early Redemption Penalty or […]

A Guide To Tracker Mortgages

For home buyers who want their mortgages to reflect the base rate changes, perhaps tracker mortgages can really help. Tracker mortgage refers to variable rate types of mortgages where interest rate payments are controlled by the base rate changes of the Bank of England. Base […] The post A Guide To Tracker Mortgages appeared first […]

What Is A Standard Variable Rate Mortgage?

Once a tracker, discount or fixed rate mortgage has come to an end the lender usually quotes another interest rate mostly known as the Standard Variable Rate (SVR). Lenders have the freedom to set their own SVR, which becomes the interest rate by default to […] The post What Is A Standard Variable Rate Mortgage? […]

What Are Fixed Rate Mortgages?

One thing a mortgage shopper wants is the security that they won’t be under pressure to pay back more than they can afford. Fixed rate mortgages are considered the best in this regard considering they allow takers to enjoyed fixed interest amounts to be paid […] The post What Are Fixed Rate Mortgages? appeared first […]

What Is A Decision in Principle (DIP)?

Once you’ve made up your mind that you need a mortgage and have set eyes on your perfect home or investment opportunity, then the DIP (Decision In Principle) comes into play. DIP is also referred to as lending certificate or AIP (Agreement In Principle) or […] The post What Is A Decision in Principle (DIP)? […]

What To Do If You Fall Behind With Mortgage Payments

Struggling to make your mortgage payments can be overwhelming, and knowing what to do next or where to turn to isn’t always easy. Many people in this situation choose to ignore the problem in the hope that it will go away on its own, but […] The post What To Do If You Fall Behind […]