On 1 October 2018, new legislation finally came into effect in England and Wales affecting the criteria and standard of high multiple occupancy (HMO) properties. This includes a major shift in the way that HMOs are licensed, and any property with five or more occupants now requires a licence from the local authority in their […]


Life insurance, mortgage protection, income protection, critical illness cover – it might seem dull to think about, but protection could prove to be a life-changing decision, and one never regretted by those who have need to call upon it. With a wide range of protection options available, NM Finance can advise on the best product […]


2018 has been a year of change for the buy-to-let market. From legal obligations to increased cuts in buy-to-let mortgage interest tax relief, it’s been a period of shifting sands as landlords reevaluate their investment properties. With further changes ahead, including a potential ban on residential letting fees and possible interest rate rises, those in […]


Will Brexit put mortgage rates up? After the interest rate rise in August 2018, the Bank of England Monetary Policy Committee has taken the unanimous decision to hold rates at 0.75 per cent at its September meeting. The decision offers some assurance to homeowners with mortgages, with the MPC saying future rate increases are ‘likely […]


Securing a mortgage later in life need not be a challenge if you work with a broker that has the knowledge and experience to find the right lender. So when we were asked to help our 74 year old client remortgage his home, we were able to help him find a great deal. Although he […]


When buying a home or investing in a property, critical illness cover is an option most of us consider, and while it can be tempting to live in the moment and look to save a few precious pounds for a greater deposit or to reach a higher property price bracket, it’s important to think about […]


With the Bank of England Monetary Policy Committee due to make its next announcement on Thursday 2 August, economists have warned that interest rates may rise, and the likelihood is that historic low rates will not last forever. Yet borrowers on a standard variable rate mortgage could save up to £6,500 by switching to a fixed rate now, according to latest research from Legal & General Mortgage Club.


If someone offered you almost £300 off your monthly mortgage repayments, wouldn’t you jump at the chance to save cash?