Whether to Offset, that is the question

Limetree Financial Services Limited

With saving rates at an all time low and a shaky stock market a question often asked is ‘should I use my savings to pay down my mortgage?’ Seems sensible but it does then commit your cash and this may be unnecessary as there is a more flexible way to achieve the same aim.  Welcome to the world […]

Weekly Mortgage Market Update – 22 February 2010

Limetree Financial Services Limited

Towergate Financial, the financial advisory business of the Towergate Partnership, announced this week the acquisition of John Charcol, who used to be one of the largest mortgage advisory business, from the administrator.  John Charcol pulled out of Cambridge some time ago and have not being have a very successful time of late, culminating in them ending up in […]

When is the Right Time to See a Mortgage Broker?

Limetree Financial Services Limited

I often get asked ‘when is the right time to come and see you?’ Closely followed by ‘Should I wait until we have an offer on my property?’ or ‘Do I need to find a house first?’  My response is the same to everybody – no two cases are the same so the sooner we get together, […]

Tricks of the Trade 2 – for best value focus on the loan to value

Limetree Financial Services Limited

Loan to value (LTV) basically means the percentage of mortgage compared to the value of the house ie: if you have a 10% deposit then you are looking at a 90% LTV mortgage.  If we use a well known lender like Halifax the current difference between the 90% deal they offer compared with their 85% […]

Tricks of the Trade 1 – how to get a better interest rate on your mortgage

Limetree Financial Services Limited

Around 24 months ago there were several providers that would offer mortgages in excess of the value of the house (normally used for consolidating debts, or house renovations). Even 18 months ago it was still possible to get 100% mortgages, but 12 months ago the maximum mortgage you could raise against a property was reduced […]

Life Assurance for Those with their Heads in the Clouds

Limetree Financial Services Limited

Great news! No downward spiral here! I recently had an enquiry about arranging life assurance for an American client.  Under normal circumstances insuring a fit non-smoking forty something academic is reasonably straight forward. However, my learned transatlantic comrade has an unusual pastime; he sky dives up to 75 times a year.  As you would imagine this leads […]