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Deciding to sell your home

Selling

There are many factors that prompt people to sell their home. Perhaps a new
addition to the family means more space is needed, or children leaving home
means you want to downsize. Perhaps your work requires you to relocate,
or do you simply fancy a change?

Whatever the reason, selling your home can be a lengthy and arduous task so make sure you have considered the
alternatives:

• Build an extension or loft/cellar conversion
• Rent out a room
• Rent out the whole property and buy another with a buy-to-let mortgage

Click here to read full Selling Guide

Why buy a house?

Moving

Buying a house is one of the most stressful events in our lifetime. However,
despite the pitfalls and anxiety linked with purchasing a house, there are
undeniable benefits.

These include:

• Freedom to decorate and furnish as you wish
• It can be up to 30 per cent cheaper annually to buy a house than renting
• Security of tenure
• An excellent long-term investment
• Equity release schemes
• Greater choice over location, house type and size

Click here to read full Buying Guide

Buying a home

Everyday Money

Buy to Let Mortgages

Adverse Credit Mortgages

A mortgage is a loan to buy your home. You borrow money and pay it back with interest over a period of time (the ‘mortgage term’) that you agree with the lender – usually a bank or building society. The loan is secured against your home so if for any reason you can’t repay it, the bank or building society can sell your home to get back its money.

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Taking out a mortgage is one of the biggest financial commitments you can make, because of the amount you borrow and the time you take to repay it.

You may be able to afford the repayments now. But if you borrow a large amount over a long period think what may happen if, for example, your income falls or you lose your job. Or what if interest rates rise and your monthly repayments go up?

Bear in mind that a mortgage is a loan secured against your home, so if you fall behind in your mortgage payments, the bank or building society can sell your home to get back its money.

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