Consumer Spending and Mortgage Affordability
Consumer spending is not just about what people buy. It is also a signal of how secure households feel, how much disposable income they have, and how confidently they can make long-term financial decisions. In July 2023, this mattered more than usual. Higher interest rates, rising mortgage costs and pressure on everyday budgets changed the […]
Do I Still Need an Adverse Credit Mortgage?
Do I Still Need an Adverse Credit Mortgage? A credit file tells a story, but it does not always tell the whole story. You may have missed payments in the past. You may have had a default, a County Court Judgment, or a difficult period with debts. However, time changes the way lenders view risk. […]