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Paul Hoskin
May 10, 20231 min read
100% LTV mortgages are back!!
Skipton Building Society launched a 100% LTV mortgage product yesterday. The product is on a 5 year fixed rate starting at 5.49 % over a...
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Paul Hoskin
May 4, 20231 min read
Is the government drawing up plans for a relaunch of 'Help to Buy' ??
Recent reports in various national newspapers suggest that Rishi Sunak wants to bring forward some sort of scheme offering support to...
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Paul Hoskin
May 4, 20231 min read
Annual house price growth falls to 3%, but a 'soft landing’ could be in sight....Market report.
According to Zoopla’s most recent house price index, prices have shown 'modest' quarter-on-quarter falls of up to 0.7% across all regions...
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Paul Hoskin
May 3, 20231 min read
Are 100% LTV mortgages about to make a return ??????
A well known building society has reported that it is considering launching 100% mortgages. The products would likely only be available...
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Paul Hoskin
May 2, 20232 min read
Float to fix... Is that a strategy you would risk taking ?
With an expected 1.7m UK fixed mortgage deals ending in 2023, many are asking the same question: Should I fix, or go to variable. The...
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Paul Hoskin
Apr 28, 20231 min read
What is the impact of an unpaid utility bill ...
Missed payments can impact your credit score. This makes it more difficult to get a mortgage, or re-mortgage in the future. In 2022 one...
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Paul Hoskin
Apr 27, 20231 min read
How does income protection insurance work?
Income Protection Insurance covers most illnesses and injuries that stop you working, either in the short or long term. Remember: It does...
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Paul Hoskin
Apr 26, 20231 min read
How much can you borrow? Here's a quick indication.
Income multiples are a major factor when calculating how much can be borrowed. Each lender has different multiples of income that they...
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Paul Hoskin
Apr 24, 20231 min read
Is your home fully covered?
Have you checked if your current level of buildings insurance is adequate? A recent study estimated that 9/10 UK homes are under insured...
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Paul Hoskin
Apr 19, 20231 min read
Income protection. How long would you survive if your income stopped?
For some lucky people income protection is not necessary. If an employer offers long term sick pay for example, or you benefit from an...
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Paul Hoskin
Apr 17, 20231 min read
Are you fixing your mortgage for 2 or 5 years?
For the past several years the majority of people have happily fixed their mortgage rate for 5 years. Since 2020 around 7 in 10 took a...
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Paul Hoskin
Apr 14, 20231 min read
Home improvements over moving home...1/10 think so
Could a second charge mortgage be an option? Second charge lender Together says 1 in 10 UK homeowners are planning home renovations,...
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Paul Hoskin
Apr 14, 20231 min read
Coventry for intermediaries cuts its rates for First Time Buyers.
Coventry building society for intermediaries has cut its entire first-time buyer-only range at 90% to 95% loan to value. The mutual’s...
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Paul Hoskin
Apr 11, 20231 min read
Could an offset mortgage work for you ??
Are you making the most of your savings.... An offset mortgage essentially links your mortgage to your savings, and saves you money. The...
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Paul Hoskin
Apr 10, 20231 min read
If you don't have a will in place, you really should do.
Around half of the British adult population don't have a will, and 25% think they do not have enough money to make it worthwhile. Here...
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Paul Hoskin
Apr 5, 20231 min read
5 years deals at 4% are still available, just ..
Lender rates have finally settled somewhat. When compared to the volatility seen in the final few months of 2022, some normality has...
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Paul Hoskin
Aug 12, 20213 min read
A buyers guide to home insurance and how we can help
Hoskin Mortgages are currently working with Payment Shield who are one of the U.K’s leading insurance administrators and distributors....
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Paul Hoskin
Jul 28, 20211 min read
Being self-employed doesn’t mean mortgages are unachievable.
Using a mortgage broker can help improve chances of a self-employed application being accepted as we will guide applicants through the...
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Paul Hoskin
Jul 21, 20213 min read
Acheiving a mortgage free retirement
For the majority of people approaching retirement the main aim is to enter this time of life mortgage free, and in an ideal world this...
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Paul Hoskin
Jul 21, 20211 min read
Saving money on your next re-mortgage
Hoskin Mortgages are a regulated whole of market broker speaking to around 100 lenders in the U.K market. ‘One way to potentially save...
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