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When to review your life cover
Updated by Advisory Financial Services on Wednesday, October 22, 2025Life cover is designed to provide loved ones with essential financial protection when it is needed most. But it’s not just a one-off decision - it’s important to review and update your policy regularly, especially after experiencing any key life events that may change your circumstances.
Buying a h…
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How much deposit do I need
Updated by Advisory Financial Services on Friday, July 25, 2025The minimum deposit you typically need for a mortgage is 5% of the property's purchase price, but the exact amount depends on several factors like your credit history, income, the lender, and the type of mortgage. A mortgage broker will be able to analyse your personal circumstances and re… -
How much can I borrow
Updated by Advisory Financial Services on Friday, July 4, 2025The amount you can borrow for a mortgage depends on several factors, but the primary one is typically your income. Lenders use a formula based on your annual income to determine how much they’re willing to lend you.
Lenders generally offer 4 to 4.5 times your annual income (before tax). For example…
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When should I start to think about remortgaging
Updated by Advisory Financial Services on Wednesday, June 18, 2025When should I start to think about remortgagingYou should start thinking about remortgaging around 3 to 6 months before your current mortgage deal ends. This gives you enough time get advice from a mortgage broker who will be able discuss the options available and secure a new deal wi… -
Why should I speak to a mortgage broker when it is time to remortgage?
Updated by Advisory Financial Services on Wednesday, June 4, 2025When it's time to remortgage, staying with your current lender may seem like the easy option, but could end up costing you more. Shopping around allows you to compare rates, terms, and potential savings across multiple providers.
Your current lender might not have the most competitive deal, and a l…