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Author: Mike Plaster

Mike Plaster is CeMap qualified CAS status Mortgage and Protection Adviser able to assist on both Residential and Buy To Let Mortgages as well as Life Insurance, Critical Illness Cover and Income Protection.

What Stops You from Getting a Mortgage in the UK?

A young couple get approved for a mortgage

Are you dreaming of owning your own home in the UK? From credit scores to employment history, we’ve covered nine potential hurdles standing between you and approval from a mortgage lender. Poor Credit Score A poor credit report is one of the main things that can stop you from getting a mortgage in the UK. […]

Can You Get a Mortgage for Zero Hour Contracts?

Young zero hours contract worker in a cafe

According to the Office for National Statistics (ONS), an estimated 1.1 million people in the UK were on zero-hours contracts as their main job from October 2021 to the end of September 2022. This equates to an average of 3.2% of all employment in the UK.

What is a Mortgage Illustration?

Discussing mortgage documents including the mortgage illustration

At Millennium Mortgages, “What is a mortgage illustration?” is something we get asked all the time. A mortgage illustration outlines all the details of a mortgage and is something your mortgage advisor will talk through with you after they have looked into what options are available. Your mortgage broker will do this prior to submitting […]

Do You Need a Solicitor to Remortgage?

A young couple sat with a conveyancing solicitor

If you’re considering a remortgage, you might not realise that in most instances you will need a solicitor. What does remortgaging mean? Remortgaging is when you swap the existing mortgage on your current property from your current deal and existing lender to another mortgage deal with a different lender. Switching to a different rate with […]

Can You Remortgage Early To Get a Better Deal?

A young couple discuss remortgaging early with a mortgage broker

Are you considering remortgaging? Many individuals tend to ignore this option until their current lender reminds them. But, were you aware that you can remortgage earlier than expected?

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

For our advice services, we will charge a fee of between £199 and £999, payable at receipt of mortgage offer. (Range of fees available on request) Our typical fee is £399. We will also be paid commission from the lender. We will provide you with full written details of the basis upon which we will be paid for the Services we provide. This could include a payment from your mortgage provider and/or a fee we will charge you. We will not commence any substantive work for which we will charge you a fee until we have agreed the applicable fee with you and such fee is recorded in a binding Client Fee Agreement. We will not exceed any limits on any fee set out in the Client Fee Agreement without your Agreement. We will advise if it is appropriate to pay fees or charges in connection with the mortgage up front as opposed to adding them to the sum advanced under the mortgage contract. We will not commit you to an application for a mortgage where a fee or charge of any kind (receivable by our Firm or another party) is to be added to the sum advanced, unless you have made a positive choice to add the fee or charge to the sum advanced.

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Millennium Mortgages Limited is an appointed representative of PRIMIS Mortgage Network, a trading Name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority. The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore applies to consumers based in the UK.

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Registered in England & Wales No.6865015