Matt Wiseman, Author at The Money Hub

Coronavirus Pandemic – Wait for a Better Mortgage Rate?

How Coronavirus may affect your mortgage With so much uncertainty right now, it is easy to see why so many people would prefer to hold off from making major decisions until there is more clarity. However, in some cases, there is no time to waste as some people need to shop the market to find a renewal deal. Given the importance of your home, and with many people suffering financial hardship due to lockdown measures, mortgages are a crucial factor to consider. Both current homeowners and aspiring property owners have a lot of questions, and the issue of [...]

By Matt Wiseman|2026-10-30T21:39:56+00:005 May 2020|Advice, Blog, General Interest, Mortgages, Property|Comments Off

What is a Secured Loan?

A secured loan is a money you borrow that is secured against an asset you own – usually your home. Lots of people look for ways to borrow money for many different purposes such as to carry out home improvements, raise money for a deposit for a new house or consolidate debt to reduce their outgoings perhaps. Here we look at what a secured loan is, how they work and what is involved in securing one. What is a secured loan? A secured loan is a loan that you take out which is ‘secured’ against your property i.e. [...]

By Matt Wiseman|2026-10-30T21:40:54+00:004 May 2020|Blog, General Interest, Loans, Secured Loans|Comments Off

How to get a Shared Ownership Mortgage

How To Get A Shared Ownership Mortgage How to get a shared ownership mortgage can be a tricky topic to get your head around, so here we answer typical questions clients ask us about buying a shared ownership property and what considerations lenders have when providing bad credit shared ownership mortgages. What is a shared ownership mortgage and how does it work? A shared ownership mortgage is where you want to buy a share of a property so, for example, if the property is worth £100,000 you might want to buy a 40% share of the property which [...]

By Matt Wiseman|2026-10-30T21:41:48+00:0030 April 2020|Blog, First Time Buyer Mortgages, General Interest, Mortgages, Shared Ownership Mortgages|Comments Off

What is a Mortgage Payment Holiday?

What is a Mortgage Payment Holiday? With working life, and life as we know it, being significantly disrupted for many people and businesses, it is understandable that there is a need for financial support and solutions during the uncertainty that Covid-19 is bringing. During this uncertain time, The Money Hub can assist clients with a number of mortgage finance solutions including buy-to-let mortgages and bad credit mortgages. While households have a lot of bills to manage, the monthly mortgage payment is the most important of the monthly bills. Therefore, the mortgage is a priority, which is why one [...]

By Matt Wiseman|2026-10-30T21:42:41+00:0016 April 2020|Advice, Blog, Debt, General Interest, Mortgages, Property|Comments Off

First-Time Buyer Mortgages – Common Questions

What is a first-time buyer? A first-time buyer is a person who is buying a house or flat as their home and they have never previously owned a property that was their home. What is Stamp Duty? In England and Northern Ireland, you will have to pay stamp duty if you buy a residential property, or land, if the value is more than £125,000 (or more than £40,000 if it is a second home). Whether the property is a freehold or a leasehold, you buy for cash or take out a mortgage - it makes no difference, stamp [...]

By Matt Wiseman|2026-10-30T21:44:28+00:008 April 2020|Advice, Blog, First Time Buyer Mortgages, General Interest, Mortgages, Property|Comments Off

Using a Mortgage Broker VS Going Direct to Lender

Below we have pointed out the key reasons why using a mortgage broker is better for you and will save you money, time and stress in the long run. This is our guide on using a mortgage broker against going direct to a lender 1. Search the whole mortgage market. Did you know that there are over 50 mortgage lenders and over 1000 mortgage products? A broker is able to access these mortgages and rates. Some lenders only offer their mortgages through brokers, so using a mortgage broker is important to make sure you know all your options. 2. [...]

By Matt Wiseman|2026-10-30T21:46:25+00:001 April 2020|Advice, Blog, General Interest, Investments, Mortgages, Property|Comments Off

How we have helped our Clients

Here at The Money Hub, we deal with a wide variety of enquiries from people that are Self Employed, clients with missed payments and defaults, to clients that have previously been made bankrupt. We take pride in assisting people, and we will show you some of the ways how we have helped our clients. Below are some examples of the situations people were in, and how we managed to help them find a suitable mortgage solution. Image Credit: Coffee Secrets - https://coffeegeek.tv/starbucks-secret-menu/ Miss E – Challenge – Previously been made Bankrupt Miss E had a relatively [...]

By Matt Wiseman|2026-10-30T21:47:28+00:0030 March 2020|Advice, Blog, Credit Cards, Debt, General Interest, Loans, Mortgages|Comments Off

Bridging Finance – Case Study and Reasons

We receive a variety of enquiries both mortgage and bridging loan related. Below is an example where a bridging loan was able to help a client to achieve their goals. Overview of bridging finance case study The client had a property worth £400,000 which was refurbished to a high specification, but, he needed to borrow further to complete the works to reach its full potential value (Kitchen, Double Garage, Landscaping, etc). The client also had been off work unwell at the start of 2019 for several months, so his latest years accounts were low, compared to their previous [...]

By Matt Wiseman|2026-10-30T21:48:51+00:0023 March 2020|Advice, Blog, Bridging Loans, General Interest, Investments, Loans, Property|Comments Off

Can I buy my Council House while on Benefits?

The Right to Buy scheme allows most council tenants the opportunity to buy their homes and will be offered a discount. The best way to see if you qualify to "buy my council house" is to visit the Right to Buy website. Can I buy my house while on benefits? Specialist mortgage lenders available through mortgage brokers, do offer the right to buy mortgages where clients' income can solely be benefit-based. You must get advice in this area to confirm you know all the risks associated with this, for example, as a council tenant you will always have [...]

By Matt Wiseman|2026-10-30T21:50:23+00:0010 March 2020|Advice, Blog, General Interest, Mortgages, Property, Right to Buy Mortgages|Comments Off

Shared Ownership Common Questions

The issue of shared ownership is a major issue for many people looking to arrange their financial future. What is a shared ownership mortgage? A shared ownership mortgage is where you buy a share within the property, generally with a deposit and the help of a mortgage, and you then rent the remaining share. You do have the option in the future, to purchase a more significant percentage of the property from the housing association – this is known as ‘staircasing’. How does this style of mortgage work? For example – a property worth £100,000 and you intend [...]

By Matt Wiseman|2026-10-30T21:51:42+00:0021 February 2020|Advice, Blog, General Interest, Mortgages, Property, Shared Ownership Mortgages|Comments Off

About Matt Wiseman

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