The information contained within the posts was correct at the time of publication but is subject to change.

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Can I get a mortgage…? Bad Credit, Defaults and CCJs

It goes without saying that how your credit has been conducted is going to impact on what mortgage options you have available. However, one of the biggest misconceptions people have is that the credit score they see when they logon to a credit checking website is what the mortgage will be based on, this isn’t […]

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Can I get a mortgage…? Mortgage Deposits

Whenever you are considering buying a property a discussion will need to be had regarding how much deposit is available and where that deposit has come from. Below are some typical deposit sources we encounter regularly, so please read and get in touch if you have any questions or a different situation you wish to […]

Mortgage Advice London and Manchester

Mortgage & Protection Q&A Webinar

We are going to host a webinar where we will take your questions and answer them to the best of our ability. The webinar will be held on Thursday 2nd May at 18:30. We are happy to take any mortgage or protection related questions you have whether this is on a BISF home, a right […]

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Helping with Buy to Let Mortgages

Today we wish to discuss buy to let mortgages and the importance of getting the correct mortgage advice as a landlord. The reason for this is simple, not only will the mortgage impact on your bottom line but many landlords are using their properties not just for an immediate income but for their futures. Is […]

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Non-Standard Construction Properties and Ex-Local Authority Properties

We see time and time again people being turned down for mortgages on properties that some mortgage lenders deem unacceptable. Unfortunately, a lot of the time people then think the property is not mortgageable and search for something else, even if the property is in their dream location or they feel like it is perfect […]

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Satisfied Customers

It is always heart-warming and makes our day when customers unexpectedly say thank you for helping them with their mortgage needs. I just want to take this moment to say thank you to all our customers for the enjoyable and interesting conversations we get to have with you each day! We will also continue our […]

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Mortgage Types

This blog post is designed to give you an insight into the different types of mortgages that are available in the United Kingdom. Interest-only or capital repayment In general, mortgages can come as either interest only, capital repayment or a mix of both… but what do these terms mean? Interest only means you only pay […]

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Right to Buy Mortgages

If you need help and quality advice with a Right to Buy mortgage, CMS Ltd are here for you! Get in touch today or read on for more useful Right to Buy information. As you can tell, today I want to discuss Right to Buy mortgages. The first thing to say is that the Right […]

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BISF Home Mortgages

We want to help you with your BISF Mortgage needs here at Community Mortgage Services Ltd. As you can guess, today I want to talk about BISF properties (British Iron and Steel Federation) in more detail. BISF houses are steel framed houses built by the British Iron and Steel Federation from the 1940s. They were […]

Free Mortgage Advice Manchester London

Why use a mortgage broker?

Buying a house is one of the largest financial decisions you’ll make, so it is incredibly important to get it right! Most people need a mortgage to buy their house and some people go on to need further mortgages to buy other houses, for example as buy-to-let properties. A mortgage is simply a loan taken […]

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Why to look at your protection needs?

In this post we are going to discuss people’s protection needs. Firstly, what do we mean by protection? Well, some of the most common protection policies are life, critical illness and income protection insurance and below I am going to summarise a little about each: Life Cover: This is an insurance policy that pays out […]

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Customer Satisfaction

Firstly, a very Happy 2019 to everyone! We wanted to start the year by sharing some of the feedback we have had over the previous 12 months because after all customer satisfaction is one of the most important things to us. Here is what some of our customers have had to say: “Great help and […]

Free Mortgage Advice Manchester

Non-Standard Property Mortgages

Here at Community Mortgage Services Ltd we love to help people with their non-standard property mortgages. Many people believe that non-standard construction properties can not be mortgaged and often estate agents may market them as ‘cash only’ properties. Whilst it is true these properties are more difficult to mortgage and insure, many of them can […]

Free Mortgage Advice Manchester

We love the unusual here at Community Mortgage Services…

We love trying to help everyone that contacts us here at Community Mortgage Services! At this time of year when people start planning for 2019, we have noticed an increase in people who have come to us struggling to get the right mortgage and advice they need. If you need help with; Buying your first […]

Free Mortgage Advice Manchester

Getting on the property ladder

We all need a bit of help and advice from time to time, especially those trying to get on to the property ladder and so this blog is aimed at the first-time buyers out there. Below are some quick and easy steps to help you on your way. If you want a more detailed read […]

first time buyer

Fixed mortgage rates for people with 5% deposit reach ‘lowest on record’

First-time buyers are experiencing some of the lowest mortgage rates on record – despite the recent Bank of England base rate rise, a website has found. While many first-time buyers may have been worried about the impact of the rising base rate on low-deposit mortgages, Moneyfacts.co.uk said average two and five-year fixed rates for people with […]