Jeff Bilson

As we developer and marketing consultant i have long history of working in the finance industry, working for and with some of the largest finance experts.

As well as finance and web marketing i also have a love of football and loving this years premiership title race which has seen title underdogs of leicester who at 5000-1 would have been a great bet at the begining of the season.

Hints and Tips on getting a mortgage

If you are looking for a mortgage or remortgage there are a number of important elements to consider, here are things to consider to improve your chances of getting approved.

Ensure you have kept up repayments on your existing credit

Make sure you are on the electoral role

You are usually able to borrow around 4 1/2 times your earnings e.g 25k a year can borrow 112k.

Loan to value - thisis the percentage of equity you will have in your new property, this will vary from lender to lender but 90% is towards the top LTV. The lower the loan to value the better the interest rate you are likely to achieve.