Speak to an advisor now
0121 4000 052Mon - Fri 8am to 8pm | Sat 8am to 4pm | Sun 10am to 4pm
A credit score is a way for lenders to assess how reliable you are with your money and how likely you are to repay borrowed money. In the eyes of a creditor, the higher your score is, the more likely you are to receive a...
Today’s reality is that most potential home-buyers need to buy a house on credit rather than paying upfront. To own the home of your dreams, you’ll need to apply for a mortgage. However, research indicates that one in five applicants for mortgage financing are refused. This...
If you are looking to buy a home in the UK, there is an exhaustive list of things that need to be considered. From getting pre-approved for financing with your lender to understanding how much home you can afford and what kind of mortgage will...
A mortgage in principle is the first step to owning your dream home. It's exciting, but also nerve-wracking because there are a lot of steps you need to take before signing on the dotted line...
Did you know that one of the most common reasons stated for mortgage rejections are defaults on the credit file? Sadly, past mistakes can cost us dearly when it comes to mortgage applications. While there are ways of improving your credit score, these take time. The...
From credit card and financing applications to loan requests for a car or a property; your credit rating plays an essential role in determining the likelihood of your application being accepted. No doubt you have heard the term mentioned multiple times but have you harnessed...
Conveyancing Process (Buying) The following is a general guide to the conveyancing procedure when buying a property. If you are in doubt about any specific issue you should consult your solicitor directly. Initial Stages Once you have told the solicitor that you wish to use their...
Help To Buy is a government initiative aimed at helping those who are struggling with getting a deposit together. There are certain criteria required to be eligible for a HTB mortgage. You will need to have saved at least 5% deposit The purchase price of...
Most of us only buy a house a few times through our lives and, no matter how many times, can still find it a bewildering experience, so for first time buyers it can be even more so. At AMS we can guide you through your experience...
Once your lender has received a satisfactory valuation and all the supporting documentation they will issue a formal, written offer of a loan (or Mortgage Offer). This document will be sent to your advisor, yourself and your solicitor and contains all the relevant information about your...
