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

Drop in execution-only product transfers: UK Finance

The number of product transfers completed on an execution-only basis dropped by 4.8 per cent in 2019, while the number of advised transfers increased by 6.9 per cent, the latest data from UK Finance reveals. Over the course of 2019, nearly 1.2m borrowers switched mortgages worth a total of £167bn to a new deal their […]

Weekly rate watch: 10-year fixes dip further

The cost of 10-year fixed rates has continued to fall over the past week, the latest figures from Moneyfacts reveal. The week before last, the average 10-year fixed across all loan-to-values dropped from 2.75 per cent to 2.73 per cent. Over the past week the rate has dipped further to 2.72 per cent but lower […]

Mortgage Guides From Lending Expert

Help to Buy ISAs Explained

Taking those first steps onto the property ladder is no easy task; it takes a lot of saving and can take years to have enough to be able to buy your first home. With houses getting increasingly expensive, it is becoming more and more challenging […] The post Help to Buy ISAs Explained appeared first […]

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)? […]