With Christmas just around the corner, you may be deliberating what gifts to buy your loved ones. Possibly something unique that delivers security, protection and peace of mind? Life insurance could deliver this as a package… Whether you hate to love them or love to hate them, your family is truly one of a kind and an… Read More


With the Bank of England base rate at its lowest ever level, we revisit the longstanding debate of whether to buy a fixed or variable rate mortgage. Whilst one option offers security, the other offers potential savings, and the question is which would be right for you?   Deciding on the best mortgage option is… Read More


You may have seen in the news that the very popular Help To Buy scheme is undergoing some rigorous changes. December 2016 will be the last chance to take up the mortgage guarantee scheme, offering buyers the opportunity to purchase a home up to £600,000 with a 5% deposit. The scheme works the same as… Read More


A student loan can open up a world of opportunities for our future generation. But how will they really affect the future of our bright stars? Despite what we hear in the press, not all debt is bad. Take mortgages as an example, typically it is a low-interest bearing debt that is taken on as… Read More


Last week the Bank of England announced the first reduction in the bank’s base rate since March 2009, taking it to a new historical low of 0.25%. This is good news for borrowers and the housing market as new lower rates will attract buyers, furthermore, buy-to-let investors could see an increased return on cash invested… Read More


While the vast majority of sales proceed to completion without a hiccup, it can be enormously disappointing if a sale does fall though. Reasons for sales falling through vary, but one thing is for sure, the faster you can get to exchange, the less opportunity there is for changes of mind.  For this reason, it… Read More


Here at Mackenzie Smith, we are pleased to have our own dedicated in house Mortgage Advisor, Andrew Fagg, who every week publishes his best rate on our website. This week’s Rate of the Week, is a 2-year tracker scheme for New Borrowers; based on loan to value (LTV) of up to 60%  Initial rate: 1.29%  Subsequent… Read More


Since the launch of the Help to Buy: mortgage guarantee, 73,726 mortgages have been completed with the support of the scheme since its inception on October 2013 and of these, 79% were purchases by first time buyers. The Help to Buy: mortgage guarantee scheme opened on 8 October 2013 and is available across the United… Read More


If you are looking to make that first step on the property ladder and buy your first home, we have gathered some useful hints and tips you may like to consider. Savings If you have been saving for a deposit, make sure you check the interest rate you are earning and move the money to… Read More


Andrew Fagg Mortgage Advisor

Surprisingly two-thirds of potential house buyers are not aware of the new procedures brought in as part of the Mortgage Market Review (MMR) last year. Half of those who don’t have MMR on the radar were completely unaware that one of the biggest pieces of mortgage regulation in a decade came into play in April… Read More