Why we don’t sell Life Insurance

Why we don’t sell Life Insurance

At My Simple Mortgage, the experts you speak to are called Mortgage & Protection Advisers. And whilst the mortgage part is pretty obvious, it might not be so clear what we mean by protection. So we wanted to explain why it’s in the job title, why it’s so...
Why now is a good time to buy a house

Why now is a good time to buy a house

While hardly a surprise given the lockdown caused by the pandemic, Halifax confirmed at the beginning of July, that overall, house prices had fallen four months in a row. This was the first time house prices had shown a decline since 2010. Summer is usually a quiet...
Trusted Advice

Trusted Advice

Back in “the day” when you wanted a mortgage, you would put on your best outfit, and arrange a meeting with the bank or building society manager to ask for the money to buy your house. If you were charming, polite, and he was feeling generous, you would walk out proud...
Applying for a mortgage after furlough

Applying for a mortgage after furlough

The government’s furlough scheme was monumental not only in its size and scale, but also had ripples throughout every industry that deals with income and employment. The mortgage market is no different, and it is not hard to see why. One of the largest, if not THE...
Stamp Duty Changes

Stamp Duty Changes

The announcement yesterday from the Chancellor Rishi Sunak about changes to Stamp Duty may have you asking lots of questions about what this means for you. So, we’ve pulled together the information you need and broken it down for you. What is Stamp Duty? Stamp Duty...
Property Search Overseas Has Seen A Spike Since Lockdown

Property Search Overseas Has Seen A Spike Since Lockdown

2020 has seen many of us cancel our overseas holiday due to the pandemic. However, evidence suggests that more of us are browsing the property market overseas and dreaming of a trip aboard or even considering relocation. According to the property portal, Rightmove;...
COVID-19 – Do I really need a bigger deposit?

COVID-19 – Do I really need a bigger deposit?

As a result of the recent pandemic, lots of lenders have made changes to the products (range of loan types and interest rates) available. The biggest change you may have seen is the removal, or reduction in the number of mortgages available to people with only a 5% or...
What is a “desktop valuation”?

What is a “desktop valuation”?

As the name suggests, a desktop valuation is one that is done at a desk, rather than someone going to physically view the property. It is done using information publicly available online, as well as existing data the surveyor may have about the area or house itself in...