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

Landlord confidence falls to seven year low: Aldermore

Landlords’ confidence in their own business has fallen to a seven-year low, according to data collected by BVA BDRC on behalf of Aldermore Bank. The research shows that 29 per cent of landlords have positive expectations in regard to letting their properties in Q2 2019. This is down from 44 per cent in Q2 2018, […]

BEP Systems launches new second charge system

BEP Systems has announced the launch of a new second charge origination system with lender Equifinance. The new platform is designed to streamline the second charge application and underwriting process, according to the firm. It adds that the new system is an hour quicker to process new product development than existing systems. The software has […]

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)? […]