For a buyer whose offer has just been accepted, confusion often starts with the mortgage valuation vs survey distinction because both checks can happen around the same stage of the purchase. They are not doing the same job. The lender is deciding whether the property...
An agreed price can feel final right up until the lender puts a different number on the property. In practice, a down valuation mortgage issue means the price you have agreed, the lender’s view of market value and the borrowing you expected no longer line up. It is...
A 5% deposit can make the difference between continuing to save and having enough cash to consider buying now. For buyers researching 95% mortgage UK options, the headline is straightforward: the mortgage can cover up to 95% of the property value, while the buyer...
At Oakstead Finance, we work with Gen H regularly and have a practical understanding of how the lender approaches applications. New Build Boost is available through a limited panel of qualified brokers, and the main mortgage is assessed against Gen H’s standard 80%...
