Should I remortgage to pay for home renovations?
If you’re planning a renovation, find out whether remortgaging is the right way to finance your plans. Our blog explores the pros and cons as well as some alternatives.
Can I get a first-time mortgage if I have bad credit?
Learn more about what bad credit actually means, what it means for your ability to get a mortgage for the first time, and steps to help avoid bad credit in the future.
Why do I need a mortgage broker?
Find out why using a mortgage broker could save you time and money on your next house purchase. Our latest blog also explores what to expect when you work with a mortgage broker and how to find the right broker for you.
The positive impact of overpaying on your mortgage
The positive impact of overpaying on your mortgage Did you know that many mortgage lenders offer the option to make partial overpayments without incurring penalties up to a certain amount?Are overpayments the right thing for me? Whilst most mortgages permit you...
Do I need life insurance when I’m young and healthy?
Do I need life insurance when I’m young and healthy? As with most things, “it depends”, but the lure of cheaper premiums when you’re healthy and in your 20s or 30s shouldn’t be underestimated. Read on to find out more….Contact the team at Downton Mortgages &...
How would you be able to pay your bills if you were unable to work?
Downton Mortgages and Financial Services explain why it’s wise to take out Income Protection insuranceBeing unable to work for medical reasons would be a seriously stressful and financial burden for the majority of us. Protecting payments on your property, paying...
Is the new Mortgage Charter a help or a hindrance?
Is the new Mortgage Charter a help or a hindrance? On 23 June 2023 and following a meeting with the UK's principal mortgage lenders and the Financial Conduct Authority (FCA), the Chancellor announced a new Mortgage Charter.What is the Mortgage Charter? Many mortgage...
Planning ahead when you’re on a Variable Rate Mortgage
Planning ahead when you're on a variable rate mortgage With mortgage rates at their highest in 15 years, we look at why it is important to plan ahead.If you are about to come off a Fixed Rate mortgage and you are moving to a standard variable rate (SVR), you could...
Do I need Critical Illness cover?
Do I need Critical Illness cover? We never know what’s around the corner when it comes to our health. Have you considered what expenses you would need to cover if you were critically ill and were unable to work? What impact would that have on your standard of living?...