As mortgage advisers we often uncover unpaid fines and the applicants are surprised when we say you need to disclose unpaid fines. After all an unpaid fine is a debt that you owe. And often the reason an adviser will ask about unpaid fines is because they have either found

When you are buying your first home is unlikely to be your forever home… it’s not the dream home that you plan to live in for the rest of your life. It’s important that you remember that when looking at houses. Sure, there are many things that you may love

Saving your first home deposit is not easy and in areas where houses are more expensive you will need a bigger deposit which makes things even more difficult. As mortgage brokers we consistently hear how saving a big enough first home deposit is one of the biggest challenges. So we

When a lender is assessing a mortgage application they will access your credit check and look at any adverse credit, and it’s important that you are aware that even a paid default on your credit check can cause problems. It’s a good idea to avoid defaults getting onto your credit