About Adam

This author has not yet filled in any details.
So far Adam has created 18 blog entries.

How To Remortgage Your Home To Pay Off Debt?

How To Remortgage Your Home To Pay Off Debt? One of the most popular reasons people get in touch with us here at Lloyd Wells Mortgages, is that they have some debt that they feel is quite expensive that they want to pay off with their mortgage. There are pros and cons to consolidating

By |2020-06-29T11:55:21+00:00June 29th, 2020|Mortgage Advice|

Help to Buy Mortgage

What is a Help to Buy Mortgage? The Help to Buy Scheme was introduced in the UK back in April 2013 to help First Time Buyers to get on the property ladder. With increasing property prices, an expensive rental market, stagnating wages and cost of living continuing to soar, it was becoming harder and

By |2020-06-29T11:32:39+00:00June 29th, 2020|Mortgage Advice|

The Grand Appeal – Charity and Us!

As you all know, we had planned ourselves a hefty target and a whole lot of pain this year to help raise money for the Grand Appeal Sensory Play program. We’ve posted about this amazing charity before and you can read a little more about it on our earlier Blog. Just before Lockdown was

By |2020-06-24T09:31:51+00:00June 24th, 2020|Community|

Landlord Planning

Portfolio landlords are faced with a number of challenges when it comes to tax. One is Capital Gains Tax, which becomes an ever-increasing problem as property prices rise. Another is the loss of tax relief on mortgage interest. And then there’s Inheritance Tax, which itself could run into hundreds of thousands of pounds even

By |2020-06-18T15:54:19+00:00June 17th, 2020|Mortgage Advice|

What is a Joint Borrower Sole Proprietor Mortgage?

What is a Joint Borrower, Sole Proprietor Mortgage? Joint Borrower, Sole Proprietor mortgages are a fairly new breed of mortgage offered by a select few lenders. It means that you can add a ‘joint borrower’, typically a parent, so that you can use their income to help boost the amount you can borrow. The

By |2020-06-11T10:18:10+00:00June 11th, 2020|Mortgage Advice|

What is the best protection for me and my family?

What is the best protection for me and my family? We get asked this by nearly every client and unfortunately, there is no simple answer. With so many different types of protection products in the market, we thought we would put together a few notes to help you narrow down what’s best for you.

By |2020-06-11T10:16:54+00:00June 10th, 2020|Mortgage Advice|

10 Questions for First Time Buyers

10 Questions for First Time Buyers We get a lot of First Time Buyers come to us with similar questions. We decided to put a blog together with some of the more common questions all in one place. If you have any questions that we haven't covered, do email us at What is

By |2020-06-10T10:01:47+00:00June 6th, 2020|Mortgage Advice|

20 Mortgage FAQs

20 Mortgages FAQs 1. What does LTV mean? LTV stands for Loan to Value. It is calculated by dividing the loan by the value of the property. If you have a £150,000 mortgage on a £200,000 property, your LTV is 75%. The lower the LTV, the less risk it is for the bank. The

By |2020-06-03T12:02:51+00:00June 3rd, 2020|Mortgage Advice|

What Is A Mortgage Product Switch?

What Is A Mortgage Product Switch? When your current mortgage product comes to an end it is vital that you reassess to make sure that you aren’t paying too much for your mortgage, this is called ‘remortgaging’. A ‘Product Switch’, sometimes referred to as a ‘Product Transfer’, is where you change to another deal

By |2020-06-03T11:39:28+00:00June 3rd, 2020|Mortgage Advice|

Can My Parents Loan Me A Deposit As A First Time Buyer?

Can my parents loan me a deposit as a First Time Buyer? Help from parents is incredibly common in the current market but most lenders require these funds to be gifted, not loaned. If your parents are ‘gifting’ you money, the lender will require your parents to complete a form/letter to say that they

By |2020-06-04T10:15:08+00:00June 3rd, 2020|Mortgage Advice|