Multi-award-winning Independent Financial Advisers based in Stoke Newington, London


ruth 4 ever drawingWe’re sorry we’re unable to take on any new mortgage clients at the moment but hope the following observations may be useful.

We hate all banks. Except Triodos and Handelsbanken.
We used to love the Co-op, but no longer.

Even if you have a decent income, lots of money for a deposit and an exemplary credit history, it will be a tortuous process to acquire a mortgage offer. It will be even more tortuous to find a property.

The first thing to do is to go to your bank and ask about a mortgage. The best deals are often available direct. It’s important to make sure you have an idea of how much money you can raise before you go shopping.

Secondly, use the mortgage broker attached to the estate agents who have the property you’d like. The estate agent will be pleased to be earning from your mortgage as well as your purchase, and will be able to report the true progress of your mortgage to their vendor, which will be reassuring for them.

This is a jaw-dropping concept – but think it through. It could mean you claw your way to the top of the preferred purchaser list. We are in a housing bubble and there simply aren’t enough properties to go round.

We continue to offer advice on equity release. 

RWA in the media

Ruth on the value of mortgage brokers

Ruth’s view on the mortgage affordability gap between the sexes

Ruth on the ‘buy-to-let mis-selling scandal’

Ways to open up the residential market

Mortgage lenders call for review of lending rules

Labour’s proposals will deter buy-to-let investors

Launch-pad mortgages

Owning Capital’s homes in the preserve of the cash-rich

Help to Buy under fire for swelling gov’t coffers

Banks in the firing line on website

Your home or property may be repossessed if you do not keep up repayments on your mortgage.

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