Matt Wiseman, Author at The Money Hub

IVA Mortgage Common Questions

Given the challenges people face when arranging a mortgage, it is understandable that people have a lot of questions. The issue of an IVA mortgage arises for many people. If you have an IVA, it is natural you will have concerns over what you can and cannot arrange financially. A mortgage is vital for so many people, and we are here to provide you with guidance on arranging an IVA mortgage. Can you get a mortgage with an IVA? If you have a current IVA, your high street banks and building societies will more than likely say no. [...]

By Matt Wiseman|2026-10-30T21:52:47+00:0021 February 2020|Advice, Blog, General Interest, IVA Mortgages, Mortgages, Property|Comments Off

Interest Only Mortgage Common Questions

What is an interest-only mortgage? An interest-only mortgage is a mortgage taken out where you only pay the interest for borrowing the money and you do not pay back any capital. For example; if you borrow £150,000 over 15 years you will only make monthly payments covering the interest, but at the end of the 15 years, you will still owe the capital of £150,000. Can I extend this mortgage term? You need to discuss this with your lender directly for a decision. The lender may agree if you have a clear strategy and time frame for paying [...]

By Matt Wiseman|2026-10-30T21:53:35+00:0017 February 2020|Advice, Blog, General Interest, Interest Only Mortgages, Mortgages, Property|Comments Off

Secured Loan Common Questions

What is a secured loan? This is a loan where there is a charge placed upon your property, so in the event that you do not make the required monthly payments, the lender could potentially repossess your home. It is important that you consider the implications of having a secured loan and fully understand the product. What documents do I need for a loan of this type? Standard documents required are proof of Identity (Passport or Driving License), proof of residence (Council Tax statement or Utility Bill statement), and proof of income (last 3 months’ payslips or your tax [...]

By Matt Wiseman|2026-10-30T21:54:33+00:0012 February 2020|Advice, Blog, General Interest, Loans, Secured Loans|Comments Off

Debt Consolidation Loan Considerations

If over the years you have built up debt, in the form of credit cards and loans, you may be considering a debt consolidation loan to reduce your overall monthly commitments and take away money stresses, however, there are reasons for and against doing this, which you need to be fully aware of: Reasons for consolidating your debts: Reduce your monthly payments to free up more disposable cash each month Make life easier by having only one payment to make rather than juggling multiple debts Have a clear repayment structure over X years to clear your debts rather [...]

By Matt Wiseman|2026-10-30T21:55:27+00:007 February 2020|Advice, Blog, Debt, Debt Consolidation Loans, General Interest, Loans|Comments Off

Tips on Arranging a Mortgage with Bad Credit

Arranging a mortgage is a challenging process, and it is easy to see why many potential buyers are left frustrated with the process. Lenders impose strict criteria when deciding who will receive a loan offer and at what rate. Many buyers with a good credit rating struggle to find an affordable mortgage, so it would be understandable if potential buyers with bad credit were concerned about their chances of obtaining a mortgage. However, there are bad credit mortgage lenders in the market and there is no reason to believe poor credit is a barrier to arranging a mortgage. [...]

By Matt Wiseman|2026-10-30T21:56:43+00:0022 January 2020|Advice, Blog, General Interest, Mortgages, Property|Comments Off

FAQ – Common Mortgage Questions for Bad Credit

Can you get a CCJ Mortgage? Yes – There are mortgage lenders who will consider lending to clients who have a CCJ registered. As a guide, most high street lenders will require that CCJs that were registered over 3 years ago and are now marked as satisfied, plus you must pass their internal credit score. If you fall outside of the high street lender's criteria there are other lenders available via mortgage brokers, such as The Money Hub, who will lend to clients that have CCJs registered within the last 3 years. How to remove a CCJ If [...]

By Matt Wiseman|2026-10-30T21:57:48+00:0017 January 2020|Advice, Blog, General Interest, Mortgages, Property|Comments Off

FAQ – Home Improvement Loan

Should I get a Home Improvement Loan? Raising a personal loan for home improvements is certainly one option and it will give you a clear repayment strategy over X amount of years, whereas raising the money on a credit card can be unclear as to how long it will take to repay the credit. How to add a home improvement loan to a mortgage You can raise a home improvement loan attached to your property in several ways. Firstly you could approach your existing lender and see if they would offer you a further advance to raise the [...]

By Matt Wiseman|2026-10-30T21:58:42+00:0017 January 2020|Advice, Blog, General Interest, Home Improvement Loans, Investments, Loans, Property|Comments Off

Guide to Selling your Property at Auctions

What is the best way to sell at auctions? You can let the buyers scrap it out, and hopefully, they will drive up the price of your property - but you should know what you are doing and how to make sure the auctioneer does not take advantage. So why sell at auction? Auctions have a significant advantage, and anyone who has tried to sell a property will tell you it can be a very stressful time. So if you would like to sell quickly and want some security that the buyer isn't just going to disappear then auctions are [...]

By Matt Wiseman|2026-10-30T17:19:55+00:004 December 2019|Advice, Blog, General Interest, Investments, Property|Comments Off

Importance of Income Protection

Is income Protection Insurance important to you? Due to either severe illness or injury around a million people in the UK will find themselves unable to work. These are the times when income protection insurance comes in. This income protection insurance is there for when you need it most. So if something was to happen to you, would you have enough money in savings to cover your mortgage and other expenses? What you should know before you take out Income Protection Insurance. You should always examine the terms and conditions of any insurance policy thoroughly before you sign up to [...]

By Matt Wiseman|2026-10-30T17:19:55+00:0027 November 2019|Advice, Blog, General Interest, Income Protection, Insurance|Comments Off

House Insurance Considerations

With more and more extreme weather conditions, home insurance is becoming more critical. In some cases, mortgage companies will only consider borrowers who have a policy in place. So in this guide, we aim to walk you through the basics and what type of policy is best for you. What does a house insurance policy cover? House insurance covers damage to both the interior and the exterior of your house. Including damage caused by events such as fire, lightning, hurricanes, vandalism, or other covered disasters. Your insurer will repay you so your home can be restored or even completely rebuilt. [...]

By Matt Wiseman|2026-10-30T17:19:55+00:0020 November 2019|Advice, Blog, General Interest, Home Insurance, Insurance, Property|Comments Off

About Matt Wiseman

As a mortgage is secured against your home or property, it may be repossessed if you do not keep up the mortgage repayments think carefully before securing other debts against your home.

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