Blog & Insights Archives - Vantage Mortgages

Secrets that your existing lender won’t tell you when re-mortgaging

Posted by Julie Messer, on November 3, 2021.

When your current mortgage deal is about to come to an end, in most cases your existing lender will write to you nice and early ahead of the end date to let you know. You will find that usually, they will have nice new offers for you to choose from when staying with them. It […]

Company directors ultimate guide to getting the best mortgage

Posted by Julie Messer, on October 14, 2021.

Owning a company can be hard enough, being pulled in all directions, staff management, cash flow, accounting, not to mention doing your day job at the same time! So, it’s unlikely you’re going to have the time and energy to research getting the best mortgage for yourself. This blog will point you in the right […]

What you should know about being a second time buyer

Posted by Julie Messer, on September 10, 2021.

Remember how stressful it was buying your first house? Are you a second time buyer? All the questions and forms, the applications, the speaking to estate agents and solicitors, not to mention applying for your first mortgage! Well now its time to do that again but you’ve got to sell your house at the same […]

The truth about how to budget and save a deposit

Posted by Julie Messer, on May 7, 2021.

It’s a daunting thought isn’t it, saving all that money for a deposit for your first home! Lots of people would also have you believe you need more than you actually do as well. For now, let’s say you need at least 5% of the price of a house, the more the better though 10% […]

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 […]

5 mortgage tips for the self-employed

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 […]

Take the headache out of 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 […]

Surprising deposit facts for first time buyers

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 […]

See how easily you can protect the things you love the most

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 […]

Answered: How much you can borrow

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 […]