FAQs

Completing a remortgage is done for a variety of reasons mainly to save money is the most common reason and can be alikened to witching Gas/Electric providers etc to save money.

A mortgage is a debt and the way of saving money is by acheived the lowest APR rate in…

Getting the money together for a mortgage deposit can sometimes be a struggle. A lot of people are not aware that there are more ways to put down a deposit than just using your savings. There is in fact a wide variety of schemes and methods to pay for your deposit. Read…

Completing a remortgage is done for a variety of reasons mainly to save money is the most common reason and can be alikened to witching Gas/Electric providers etc to save money.

A mortgage is a debt and the way of saving money is by achieved the lowest APR rate in…

A question that we are often asked is " Can I get a mortgage with Bad credit " and I am Self employed. Bad credit can be in a variety of forms from missed payments all the way through to bankruptcy and repossession... Generally speaking the older the issue the easier it…

At View Finance we love slightly more complex cases. So what happens if your a first time buyer and self employed.There reality is the options are a little more restricted depending on the lender.  We are whole of market and have a lot of years combined of…

A person who is self-employed earns their income by working for themselves, through owning a business or freelancing. A self-employed individual can be a sole trader or within a partnership,however they must own at least 25% of the business. They do not work for an…

‘Arrears’ is a term used in financial and legal situations, referring to the status of owed payments – and their corresponding due dates. It is used to describe something that has not received its payment by its set due date, so in simpler terms, ‘Arrears’ are overdue…

Can you get a mortgage whilst in debt management? Or had a offer accepted and need a mortgage with debt management plan?

The answer is yes - It will depend on how this is reported on your credit report and your history of the payments to the debt…

If you continually miss a payment on a debtor credit agreement, you will likely go into ‘default’. This means that your lender has decided that you are not going to pay this debt back, and has ended said agreement. Every lender will have…

Bankruptcy is a form of insolvency, in essence a declaration that you are unable to reasonably pay off your existing unsecured debts. It can be either declared voluntarily by yourself or involuntarily by a creditor to whom you owe a lot of money.

Normally an…

CCJs or County Court Judgements are court orders directing someone to pay an outstanding debt – for example if you go into default. Alike to defaults a CCJ stays on your credit report for 6 years, after which they are removed even if you have not paid the debt off.…

A contractor is somebody who provides services/goods to a specific client, under specific terms. As a contractor, you can either be classed as:
self-employed – if you work as a sole trader/have your own ltd company  or  an employee/worker – if you work…

Remortgaging is where you take out a new mortgage on your home or a property that you already own. This will replace the mortgage you have already got. 

A lot of people can feel negatively towards the possibility of remortgaging, however there are some really…

Completing a remortgage is done for a variety of reasons mainly to save money is the most common reason and can be alikened to switching Gas/Electric providers etc to save money.

A mortgage is a debt and the way of saving money is by achieved the lowest APR rate in…

Having a low credit score can be caused be a variety of factors. It could be debt/credit agreements you have had in the past that have gone bad and ended up in a default.  It could be you have utilised a lot of debt and have several amounts owing to different…