Blog & Insights

Has Coronavirus changed mortgages long term?

Posted by Julie Messer, on March 9, 2021.

Coronavirus has changed many things in our lives over the last 18 months or so. Some good things – like not having people in your personal space in queues! But obviously mostly negative things, none of our lives have been the same. But as the spring weather shows signs of arriving, so does a path […]

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Have you been furloughed?

Posted by Julie Messer, on April 23, 2020.

If you have been furloughed can you still apply for a mortgage? YES you can! Lenders are still taking applications but will, in most cases, be considering your lower wage, for most people this will be 80% of your take home income, to work out affordability. There are some exceptions, if for example you are […]

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Income protection

Posted by Julie Messer, on April 22, 2020.

Excuse the working from home look in this video! Doing our part for staying safe and saving lives during Covid-19. As a mortgage advisor, I am passionate about income protection – replacing your salary if you are ill, unable to work and can not pay your mortgage. This can be a short or long term […]

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We are on YouTube! Vantage Mortgages Banbury, Oxfordshire

Posted by Gemma Whiting, on September 4, 2019.

We are going to be posting a series of videos to help you understand everything related to mortgages! Here is the first video from our top mortgage advisor, Adam Messer (formerly ofMcRobieAdams). Video Transcript: “Welcome to Vantage Mortgages. My name is Adam and I started Vantage Mortgages to help people like you keep things simple […]

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Self Employed and thinking of a mortgage? Let’s go through your options.

Posted by Gemma Whiting, on June 6, 2019.

Are you looking for a Self Employed Mortgage? Well, the first thing you need to know is, if you are Self Employed, you are going to be applying for a regular mortgage, just like anyone who is employed. You also need to know its no more difficult or complicated to do! Lenders will consider you […]

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Do I need to pay Stamp Duty

Posted by Gemma Whiting, on May 3, 2019.

Do I need to pay Stamp Duty? You may already know you have to pay a tax when purchasing a property in England and Northern Ireland, this is called Stamp Duty Land Tax, or Stamp Duty for short! (The tax is slightly different if you are purchasing in Scotland, this is called Land and Buildings […]

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How much do I need for a deposit for my first house?

Posted by Gemma Whiting, on April 26, 2019.

How much do I need for a deposit for my first house is often the first question most people ask when meeting with our mortgage advisers here at Vantage Mortgages in Banbury How much Deposit for I need? The answer we like to give is, probably less than you think! Saving a deposit for your […]

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Mortgage protection – Protecting your income for your mortgage (and family!)

Posted by Gemma Whiting, on April 23, 2019.

If I was to ask you what’s more important, your mobile phone or your life? I’m pretty certain you would say your life! But I bet you wouldn’t believe that more people have insured their possessions than they have insured themselves. That is madness, isn’t it? Recent studies have shown that people are much more […]

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How much can I borrow for my mortgage?

Posted by Adam Messer, on April 18, 2019.

The age-old question…! And not necessarily a straight forward one to answer. With so many lenders viewing your income in so many different ways there is rarely one simple answer. Here at Vantage Mortgages, we carefully go through how much you can borrow towards your mortgage. Will how much I can borrow for my mortgage […]

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Why use Vantage, your local mortgage adviser in Banbury?

Posted by Adam Messer, on April 16, 2019.

Your local mortgage adviser in Banbury As people embark on their quest for the lowest rate you can get, there are many places to look for a mortgage adviser. Whether you Google it or compare a stuffed animal, there will be hundreds of rates from lots of mortgage lenders and one will no doubt be […]

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