UK Mortgage Expert: The Key Things You Need To Know

We get loads of questions about mortgages so we thought we’d ask an expert, Anthony Emmerson, Director at mortgage broker Trinity Financial. Whether you’re getting a mortgage for the first time or looking to remortgage, what should you look out for?

🏡 Want help from Anthony with your mortgage?
Email: [email protected]
Website: https://www.trinityfinancialgroup.co.uk/

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Disclaimer:
This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Chapters:
00:00 - Intro
00:19 - What is the most common mistake first-time buyers make?
02:57 - What are the lenders’ criteria?
04:59 - How to get the best deal if you are self-employed
07:12 - What can stop you getting a mortgage?
09:20 - How to pick a good mortgage broker
12:04 - Tide ad
13:04 - The problems with a 99% mortgage
18:50 - Capital repayment vs Interest only mortgage
24:22 - How long should you lock in your mortgage for?
31:29 - Vanta ad
32:24 - Why don’t we have 30 year fixed rate mortgages?
35:23 - Why the Bank of England doesn’t control the interest rate you get
37:35 - What to do if you are coming off a fixed-rate mortgage
41:44 - Should you change your mortgage lender?
45:55 - How to get the deposit you need?
49:52 - What is the average age of a first-time buyer
50:36 - Predictions for the property market
53:10 - Sign up to our newsletter