Matt Wiseman, Author at The Money Hub

Remortgage Advice and Costs

Given it is such an important decision, with financial repercussions, it is crucial homeowners consider remortgage advice and costs before committing to a remortgage. Many homeowners have found remortgaging to be a suitable solution to their problems, and that this act has enhanced their circumstances. How does remortgaging work? Remortgaging is the process of removing the mortgage you already hold on a property you own, to a new mortgage on the same property. There are many reasons to remortgage. It might be possible to arrange a more affordable mortgage for your property, helping you save money. Alternatively, you [...]

By Matt Wiseman|2026-10-30T21:23:30+00:0012 November 2020|Advice, Blog, General Interest, Mortgages, Property, Remortgages|Comments Off

What is the Help to Buy Scheme?

The Help to Buy scheme is a Government initiative that has been set up to help stimulate the housing market and to help first-time buyers and also existing homeowners purchase new build properties. The Government had previously stated that the scheme would end in 2021 but has now confirmed that it will extend its Help to Buy equity loan scheme from 2021 to 2023, However, this extension is going to be restricted to first-time buyers purchasing newly built homes. From 2021, there will also be new regional price caps, which could reduce the maximum value of homes that [...]

By Matt Wiseman|2026-10-30T21:24:28+00:009 September 2020|Advice, Blog, General Interest, Help to Buy Mortgages, Mortgages, Property|Comments Off

Being Mortgage Ready in the Current Climate

To get your mortgage ready, you should also start getting your credit file in good shape, this can be for a remortgage or a new purchase. Here are some tips: Obtain a copy of your credit report Set Your goals realistically Create a budget on how much you can borrow Work on paying off your existing debt Avoid applying for new credit before you apply for a new mortgage Check Your Credit report regularly Pay your bills on time With all the challenges and disruptions we have all had to face in recent months, who knew that a [...]

By Matt Wiseman|2026-10-30T21:25:22+00:008 September 2020|Advice, Blog, General Interest, Mortgages, Property|Comments Off

Stamp Duty Changes Explained

If you are thinking of buying your first home, looking at moving, or buying a second home, then you may have to pay Stamp Duty to the Government along with associated mortgage costs. This can be quite expensive, so it is important to understand what Stamp Duty is if you need to pay it and when payment is due. Chancellor of the Exchequer, Rishi Sunak, announced a recent change to Stamp Duty, whereby there is no Stamp Duty payable for properties under £500,000 that you intend to live in. So what do these changes mean, and how could [...]

By Matt Wiseman|2026-10-30T21:26:21+00:0011 August 2020|Advice, Blog, General Interest, Investments, Property|Comments Off

The Ultimate Guide to a Right to Buy Mortgage

If you’re thinking about buying your home through the Governments Right to Buy scheme, then The Money Hub is here to help! We have put together a Right to Buy Mortgage guide with tips on the buying process, how much you can borrow and the costs involved. Understanding the ins and outs of Right to Buy mortgages can seem daunting, but we hope that our ultimate guide will be useful and help to break down the process for you. What is the Right to Buy Scheme? The Right to Buy scheme is offered to council tenants where, if [...]

By Matt Wiseman|2026-10-30T21:27:22+00:0010 August 2020|Advice, Blog, General Interest, Mortgages, Property, Right to Buy Mortgages|Comments Off

Property Valuation for Home Buyers

When buying a property, be it your home or a buy-to-let, the property will need to be valued to ensure it is suitable security for the mortgage lender to lend against; but did you know that there are different types of property valuations that maybe you should consider? Here we explore the types of property valuations that are available in the current market. What is a property valuation? A property valuation is a valuation carried out by a suitability-qualified individual who is a member of RICS (Royal Institute of Chartered Surveyors) or RPSA (Residential Property Surveyors Association). They [...]

By Matt Wiseman|2026-10-30T21:28:47+00:0025 June 2020|Advice, Blog, Buy to Let Mortgages, General Interest, Investments, Mortgages, Property|Comments Off

First-Time Buyer Guide

If you’re thinking about buying your first home, then we have put together a first-time buyer guide with tips on the buying process and the costs involved. Buying a home for the first time can be daunting and you will have many questions to ask; What do I do first, who do I go to for help and how do I get a mortgage? Do I need a conveyancer? Here we try to break down the first-time buyer process into simple steps to help you understand what will happen and when. The Buying Process Look around the property [...]

By Matt Wiseman|2026-10-30T21:29:36+00:0016 June 2020|Advice, Blog, First Time Buyer Mortgages, General Interest, Mortgages, Property|Comments Off

What is a Credit Score?

What is a credit score? A credit score is a 3-digit number, ranging from 0-999 (depending upon the credit agency), that shows how likely you are to be accepted for credit. The score will be based on your credit report, which is a record of how you have handled credit in the past. When you want to borrow money and take out a loan or mortgage, for example, your score will have an impact on who will lend you money and what interest rate you will be charged. Here we break down key points that will have an [...]

By Matt Wiseman|2026-10-30T21:33:00+00:009 June 2020|Advice, Blog, General Interest|Comments Off

Removing an Ex from the Mortgage

The breakdown of a relationship or marriage can be a difficult situation, and there are often a lot of complicated legal matters to resolve. If you are keen to learn how to remove your ex from the mortgage, the following infographic takes you through each step. How To Remove Your Ex From The Mortgage Get in touch with The Money Hub today The Money Hub is here for you during these uncertain times. We hope that you found this guide to removing your former partner from a mortgage helper. Don’t forget that we are still here to help [...]

By Matt Wiseman|2026-10-30T21:36:42+00:004 June 2020|Advice, Blog, General Interest, Mortgages, Property|Comments Off

What is a Bounce Back Loan Scheme?

The Bounce Back Loan Scheme (BBLS) has been designed to support small and medium-sized businesses that have been affected by the Coronavirus pandemic. The government guarantees 100% of the loan. Recognising the need for small businesses and sole traders to receive more support in dealing with the coronavirus outbreak, the Government has launched the Bounce Back Loans scheme. Small companies, including High Street outfits such as florists, coffee shops, and hairdressers, are eligible to borrow between £2,000 and up to 25% of their turnover with a cap at £50,000. The money will be made available within a matter [...]

By Matt Wiseman|2026-10-30T21:38:57+00:0019 May 2020|Blog, General Interest, Loans|Comments Off

About Matt Wiseman

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