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

HSBC grows broker panel to 200 firms

The number of broker firms that now have access to HSBC’s mortgage range has reached 200. The lender says it has added almost 50 new intermediary firms since the start of the year and taking the number of individual brokers that can recommend its mortgages to 13,500. The latest firms to join its panel today […]

Mortgage complaints drop 25%: FOS

The number of mortgage complaints received by the Financial Ombudsman Service fell by 25 per cent from 10,087 to 7,613 in the 2019/20 financial year compared to the previous 12 months. A total of 7,067 mortgage complaints were resolved over the 2019/20 year, of which 5,410 were settled without the need for the ombudsman’s intervention […]

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)? […]