April 28, 2020

Lockdown is now into its 5th week and distractions are becoming more plentiful by the day. Staying productive can be difficult in these times without a plan in place. Came across this video from Brendon Burchard that has a couple of good hacks to stay on your game thro...

April 27, 2020

Lots of talk out there about lenders being able to do desktop valuations to allow mortgages to move forward. Great, you think. We can move forward with the application as we don't need a surveyor to go out to the property! The devil is in the detail though. It depends...

April 25, 2020

It's a question we ask ourselves sometimes on a daily basis but do we actually take any time to look at this in any depth. Everyone knows about Simon Sinek's book the Start With Why but how many implement it's ideas and thereafter stick to its Golden Circle principles...

April 20, 2020

The hypocratic oath is one of the oldest binding documents in history - to treat the ill to the best of one's ability. Imagine in these difficult times you had an oath for your job. What would it be and have you demonstrated this. If not why not?

April 16, 2020

Taking a Mortgage Holiday means that you are looking to make cutbacks on your spending. But what if your fixed rate is going to be coming up for review during the Mortgage Holiday, can you negotiate a new deal with your current lender rather than end up on the bank's s...

April 8, 2020

As I have said before the "mortgage holiday" must only be the last option. However, for many it will be the only option. That having been said, you need to know what the road is going to be like ahead so use this site which will confirm to you how your lender will look...

April 7, 2020

For many banks it has been very difficult to operate with a reduced staff who are having to deal with Mortgage Holiday enquiries as well as dealing with the day to day aspects of lending. This has meant that for some they have entirely withdrawn from new lending at the...

April 3, 2020

Mortgages are changing daily and there is not a day that goes by without another lender coming out with more changes on products. We are seeing a lot of lenders now funneling applicants according to how their jobs are affected by Corona Virus. My expectation is that th...

April 3, 2020

So they gave us the life jacket of Mortgage Holidays - that was nice of them! Now they are playing hardball on affordabilty. Yes I understand that there is going to be a potential issue with regards to affordability if you lose 20% of your salary but we are all staying...

April 1, 2020

Stay off the phone! You are not going to change things and if it's something really important then your mother will call you. Endless scrolling through BBC newsfeed is not doing you any good. Put the phone down and stick to the plan. Stick to the stuff that you can con...

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. BRICKS AND MORTAR MORTGAGES LIMITED IS AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.