{"id":2742,"date":"2020-10-04T06:11:47","date_gmt":"2020-10-04T06:11:47","guid":{"rendered":"https:\/\/www.fpgonline.co.uk\/?p=2742"},"modified":"2020-10-09T07:24:16","modified_gmt":"2020-10-09T07:24:16","slug":"independent-advisors-becoming-essential-allies-to-first-time-buyers-and-the-self-employed","status":"publish","type":"post","link":"https:\/\/www.fpgonline.co.uk\/index.php\/independent-advisors-becoming-essential-allies-to-first-time-buyers-and-the-self-employed\/","title":{"rendered":"Independent Advisors Becoming Essential Allies To First Time Buyers And The Self Employed"},"content":{"rendered":"<div class=\"\"><span class=\"\" style=\"font-size: large;\">A rise in house prices in recent months, combined with tighter lending restrictions, is creating an even more challenging time for first-time buyers who are facing increased scrutiny from lenders, tighter criteria and a shrinking range of high loan-to-value (LTV) products. Just two mortgage deals remain available for applicants requiring a loan to value over 90%\u2026 a year ago there were more than 2,000.\u00a0<\/span><\/div>\n<div class=\"\"><span class=\"\" style=\"font-size: large;\">\u00a0<\/span><\/div>\n<div class=\"\"><span class=\"\" style=\"font-size: large;\">Britain\u2019s self employed, who make up 15% of the nation\u2019s workforce, are also facing stricter rules when applying for a mortgage or re-mortgage. The economical affects of Covid-19 has seen banks and building societies requesting more information and documentation before they consider making a mortgage offer. Understanding what is expected in the current climate, and seeking advice when preparing your accounts and finances can make all the difference.<\/span><\/div>\n<div class=\"\"><span class=\"\" style=\"font-size: large;\">\u00a0<\/span><\/div>\n<div class=\"\"><span class=\"\" style=\"font-size: large;\">The role of the Independent Mortgage Adviser is therefore becoming critical \u2013 finding the right lender to fit someone\u2019s exact situation is key.\u00a0<\/span><\/div>\n<div class=\"\"><span class=\"\" style=\"font-size: large;\">\u00a0<\/span><\/div>\n<div class=\"\"><span class=\"\" style=\"font-size: large;\">Here at The Financial Planning Group we have over 25 years experience in providing specialist mortgage advice and we\u2019d be delighted to help find the right deal for you.<\/span><\/div>\n<div class=\"\"><span class=\"\" style=\"font-size: large;\">\u00a0<\/span><\/div>\n<div class=\"\"><span class=\"\" style=\"font-size: large;\"><b class=\"\">Why not give Steve a call on 020 8614 4782 or e-mail <\/b><a class=\"\" href=\"mailto:Steve.Padgham@fpgonline.co.uk\"><span class=\"\"><b class=\"\">Steve.Padgham@fpgonline.co.uk<\/b><\/span><\/a><b class=\"\"> and take advantage of some very competitive deals.<\/b><\/span><\/div>\n","protected":false},"excerpt":{"rendered":"<p>A rise in house prices in recent months, combined with tighter lending restrictions, is creating an even more challenging time for first-time buyers who are facing increased scrutiny from lenders, tighter criteria and a shrinking range of high loan-to-value (LTV) products. Just two mortgage deals remain available for applicants requiring a loan to value over [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[2],"tags":[4,70,13,44],"class_list":["post-2742","post","type-post","status-publish","format-standard","hentry","category-news","tag-mortgage","tag-self-employed","tag-teddington","tag-twickenham"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Independent Advisors Becoming Essential Allies To First Time Buyers And The Self Employed - The Financial Planning Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fpgonline.co.uk\/index.php\/independent-advisors-becoming-essential-allies-to-first-time-buyers-and-the-self-employed\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Independent Advisors Becoming Essential Allies To First Time Buyers And The Self Employed - The Financial Planning Group\" \/>\n<meta property=\"og:description\" content=\"A rise in house prices in recent months, combined with tighter lending restrictions, is creating an even more challenging time for first-time buyers who are facing increased scrutiny from lenders, tighter criteria and a shrinking range of high loan-to-value (LTV) products. Just two mortgage deals remain available for applicants requiring a loan to value over [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fpgonline.co.uk\/index.php\/independent-advisors-becoming-essential-allies-to-first-time-buyers-and-the-self-employed\/\" \/>\n<meta property=\"og:site_name\" content=\"The Financial Planning Group\" \/>\n<meta property=\"article:published_time\" content=\"2020-10-04T06:11:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-10-09T07:24:16+00:00\" \/>\n<meta name=\"author\" content=\"fpgonline\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"fpgonline\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fpgonline.co.uk\\\/index.php\\\/independent-advisors-becoming-essential-allies-to-first-time-buyers-and-the-self-employed\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fpgonline.co.uk\\\/index.php\\\/independent-advisors-becoming-essential-allies-to-first-time-buyers-and-the-self-employed\\\/\"},\"author\":{\"name\":\"fpgonline\",\"@id\":\"https:\\\/\\\/www.fpgonline.co.uk\\\/#\\\/schema\\\/person\\\/ca7cc77e66f7465100af51d9355d408c\"},\"headline\":\"Independent Advisors Becoming Essential Allies To First Time Buyers And The Self Employed\",\"datePublished\":\"2020-10-04T06:11:47+00:00\",\"dateModified\":\"2020-10-09T07:24:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fpgonline.co.uk\\\/index.php\\\/independent-advisors-becoming-essential-allies-to-first-time-buyers-and-the-self-employed\\\/\"},\"wordCount\":218,\"commentCount\":0,\"keywords\":[\"Mortgage\",\"self employed\",\"teddington\",\"twickenham\"],\"articleSection\":[\"Latest News &amp; 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