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Case Study | A Lifetime Mortgage Success: How Medical Underwriting Helped Mr & Mrs Moore Fund Essential Home Repairs
While Lifetime Mortgages are often written based on age and the value of the property, it is also, in some cases, possible to increase...

Penn Financial
Oct 21, 20242 min read


The Nationwide House Price Index Report: September Records Fastest Annual House Price Growth in Two Years
According to the latest Nationwide House Index report, there has been the "fastest annual house price growth in two years" with the average

Penn Financial
Oct 1, 20242 min read


About the Length of Your Mortgage Term
For a long time, a mortgage term was generally accepted to be 25 years and even now, if you ask many borrowers how long a mortgage term...

Penn Financial
Sep 16, 20242 min read


Grandparents Helping With Private School Fees: Exploring Lifetime Mortgages as a Solution
Private School fees are currently in the news with the planned removal of VAT exemption, and with the average fee for a day pupil...

Penn Financial
Aug 28, 20242 min read


NEW Mortgage Payment Protection Insurance
In the past, it was well known that you could take out a mortgage for example and then take out another policy to cover you in case you lost

Penn Financial
May 10, 20242 min read


What is the Own New scheme?
Own New is a scheme designed to make it easier for somebody to purchase a new build home by way of a mortgage. The scheme was launched...

Penn Financial
Apr 10, 20241 min read


Mortgages | Is Now a Good Time To Remortgage?
The decisions you have to make when considering remortgaging are particularly crucial at this time due to rapidly changing economic...

Penn Financial
Jul 25, 20232 min read


Mortgages | Remortgaging In 2023
Time to start remortgaging yet again to find the best deal you can as your current discounted rate is about to expire...

Penn Financial
Jul 25, 20232 min read


Mortgages | Finding The Best Mortgage Deal Available To You And Your Unique Set Of Circumstances
Did you know that the average homeowner remortgages their home approximately five times throughout their lifetime? Remortgaging can be a ben

Penn Financial
Jul 25, 20232 min read


Protections | What Is the Difference: Regulated Bridging Loans v. Unregulated Bridging Loans
As you will have seen from the first article in this series, a regulated bridging loan is a type of bridging loan that is regulated by...

Penn Financial
Jun 26, 20232 min read


Protections | More Detail: Regulated Bridging Loans Versus Unregulated Bridging Loans
What are the differences between Regulated Bridging Loans and Unregulated Bridging Loans?

Penn Financial
Jun 26, 20232 min read


Protections | The Basics: Regulated Bridging Loans Versus Unregulated Bridging Loans
A regulated bridging loan is a type of bridging finance that is regulated by the Financial Conduct Authority. By implication, an ...

Penn Financial
Jun 4, 20231 min read


Protections | Have You Been Thinking About Cancelling Your Protections Policy?
The cost of living crisis is sadly well established in the minds and pockets of many... Have you been thinking about cancelling your policy?

Penn Financial
Mar 14, 20232 min read


Mortgages | Joint Borrower, Sole Proprietor
Trying to get a mortgage on your own can be challenging as you can only borrow so much as your lender deems to be affordable in accordance..

Penn Financial
Dec 19, 20222 min read


Mortgages | Is The Second Charge Mortgage Worth Considering?
Sometimes, you may need extra money and there are various ways to raise that capital – one of those ways is by way of a second charge...

Penn Financial
Nov 18, 20222 min read


Mortgages | What Is Happening On The Mortgages Market? | November 2022 Update
The Bank of England base rate has now increased to 3% from 2.25%, which is the highest the base rate has been since the...

Penn Financial
Nov 11, 20222 min read


Mortgages | Stamp Duty Land Tax From 23.09.2022
You usually pay Stamp Duty Land Tax (SDLT) on increasing portions of the property price when you buy residential property, for example, a ho

Penn Financial
Oct 12, 20221 min read


Protections | Critical Illness | “It won’t happen to me” Mentality
Critical illness cover is something we talk to our clients about every day, and it is one of those “it won’t happen to me” topics and...

Penn Financial
Feb 15, 20222 min read


Mortgages | Stamp Duty | From 1 July 2021
Stamp duty rates have now changed from 1 July 2021 as the tax holiday introduced in June 2020 starts to be phased out.

Penn Financial
Jul 8, 20212 min read


Mortgages | What Does A Mortgage Broker Do?
In this article, we are explaining to you the mortgage application process and how a Mortgage Broker can help you save time and money.

Penn Financial
Jun 24, 20214 min read
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