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[{"id":1960,"link":"https:\/\/sjrmortgages.co.uk\/brace-for-impact-why-4-5-mortgage-rates-could-be-the-new-reality-for-uk-homeowners\/","name":"brace-for-impact-why-4-5-mortgage-rates-could-be-the-new-reality-for-uk-homeowners","thumbnail":{"url":false,"alt":false},"title":"\"Brace for Impact: Why 4.5% Mortgage Rates Could Be the New Reality for UK Homeowners\"","excerpt":"","content":"Market experts have predicted that mortgage rates of 4.5% will be the \u2018new normal\u2019 in the UK. In August 2023,","author":{"name":"Samuel Roy","link":"https:\/\/sjrmortgages.co.uk\/author\/sjrmortgages\/"},"date":"Sep 18, 2024","dateGMT":"2024-09-18 14:37:40","modifiedDate":"2024-08-15 14:44:03","modifiedDateGMT":"2024-08-15 14:44:03","commentCount":"0","commentStatus":"open","categories":{"coma":"Uncategorised","space":"Uncategorised"},"taxonomies":{"post_tag":""},"readTime":{"min":0,"sec":43},"status":"publish"},{"id":1957,"link":"https:\/\/sjrmortgages.co.uk\/are-you-one-of-the-28-the-hidden-risk-young-homeowners-are-overlooking\/","name":"are-you-one-of-the-28-the-hidden-risk-young-homeowners-are-overlooking","thumbnail":{"url":false,"alt":false},"title":"\"Are You One of the 28%? The Hidden Risk Young Homeowners Are Overlooking\"","excerpt":"","content":"A recent survey has found that 28% of young adults with a mortgage do not have life cover1. It is","author":{"name":"Samuel Roy","link":"https:\/\/sjrmortgages.co.uk\/author\/sjrmortgages\/"},"date":"Sep 13, 2024","dateGMT":"2024-09-13 14:09:29","modifiedDate":"2024-08-15 14:12:43","modifiedDateGMT":"2024-08-15 14:12:43","commentCount":"0","commentStatus":"open","categories":{"coma":"Uncategorised","space":"Uncategorised"},"taxonomies":{"post_tag":""},"readTime":{"min":0,"sec":43},"status":"publish"},{"id":1954,"link":"https:\/\/sjrmortgages.co.uk\/protect-your-home-and-family-why-skipping-life-insurance-could-cost-you-more\/","name":"protect-your-home-and-family-why-skipping-life-insurance-could-cost-you-more","thumbnail":{"url":false,"alt":false},"title":"\"Protect Your Home and Family: Why Skipping Life Insurance Could Cost You More\"","excerpt":"","content":"The number of people taking out protection policies continued to decline last year according to research1. In 2023, purchases of","author":{"name":"Samuel Roy","link":"https:\/\/sjrmortgages.co.uk\/author\/sjrmortgages\/"},"date":"Sep 9, 2024","dateGMT":"2024-09-09 11:01:36","modifiedDate":"2024-08-15 11:06:53","modifiedDateGMT":"2024-08-15 11:06:53","commentCount":"0","commentStatus":"open","categories":{"coma":"Uncategorised","space":"Uncategorised"},"taxonomies":{"post_tag":""},"readTime":{"min":0,"sec":39},"status":"publish"},{"id":1951,"link":"https:\/\/sjrmortgages.co.uk\/rising-mortgage-costs-ahead-what-homeowners-need-to-know-for-2026\/","name":"rising-mortgage-costs-ahead-what-homeowners-need-to-know-for-2026","thumbnail":{"url":false,"alt":false},"title":"\"Rising Mortgage Costs Ahead: What Homeowners Need to Know for 2026\"","excerpt":"","content":"Cuts to Bank Rate may be expected to ease some short-term financial pressure this year, but a report from the","author":{"name":"Samuel Roy","link":"https:\/\/sjrmortgages.co.uk\/author\/sjrmortgages\/"},"date":"Sep 2, 2024","dateGMT":"2024-09-02 10:40:16","modifiedDate":"2024-08-15 10:55:29","modifiedDateGMT":"2024-08-15 10:55:29","commentCount":"0","commentStatus":"open","categories":{"coma":"Uncategorised","space":"Uncategorised"},"taxonomies":{"post_tag":""},"readTime":{"min":1,"sec":4},"status":"publish"},{"id":1948,"link":"https:\/\/sjrmortgages.co.uk\/the-boring-stuff-insurance-documents\/","name":"the-boring-stuff-insurance-documents","thumbnail":{"url":false,"alt":false},"title":"The boring stuff - insurance documents","excerpt":"","content":"If you already have adequate cover in place, it can be easy to assume that there is nothing more to","author":{"name":"Samuel Roy","link":"https:\/\/sjrmortgages.co.uk\/author\/sjrmortgages\/"},"date":"Aug 26, 2024","dateGMT":"2024-08-26 12:17:05","modifiedDate":"2024-08-12 12:19:28","modifiedDateGMT":"2024-08-12 12:19:28","commentCount":"0","commentStatus":"open","categories":{"coma":"Uncategorised","space":"Uncategorised"},"taxonomies":{"post_tag":""},"readTime":{"min":2,"sec":20},"status":"publish"},{"id":1910,"link":"https:\/\/sjrmortgages.co.uk\/mortgage-for-a-fixed-term-contract-professional\/","name":"mortgage-for-a-fixed-term-contract-professional","thumbnail":{"url":false,"alt":false},"title":"Mortgage for a Fixed Term Contract Professional","excerpt":"","content":"Case overview: Clients: First time buyer professional mortgage Property value: \u00a3230,000 Loan amount: \u00a3184,000 LTV: 80% Useful guides related to","author":{"name":"Josh Taylor","link":"https:\/\/sjrmortgages.co.uk\/author\/jtaylor\/"},"date":"Aug 19, 2024","dateGMT":"2024-08-19 09:49:00","modifiedDate":"2024-07-10 11:45:08","modifiedDateGMT":"2024-07-10 11:45:08","commentCount":"0","commentStatus":"open","categories":{"coma":"Uncategorised","space":"Uncategorised"},"taxonomies":{"post_tag":""},"readTime":{"min":1,"sec":15},"status":"publish"},{"id":1963,"link":"https:\/\/sjrmortgages.co.uk\/pre-election-surge-why-more-sellers-flooded-the-market-in-june-2024\/","name":"pre-election-surge-why-more-sellers-flooded-the-market-in-june-2024","thumbnail":{"url":false,"alt":false},"title":"\"Pre-Election Surge: Why More Sellers Flooded the Market In June 2024\"","excerpt":"","content":"In June, the housing market saw a boost in stock as sellers hoped to get ahead of any post-election market","author":{"name":"Samuel Roy","link":"https:\/\/sjrmortgages.co.uk\/author\/sjrmortgages\/"},"date":"Aug 18, 2024","dateGMT":"2024-08-18 14:55:00","modifiedDate":"2024-08-15 14:59:56","modifiedDateGMT":"2024-08-15 14:59:56","commentCount":"0","commentStatus":"open","categories":{"coma":"Uncategorised","space":"Uncategorised"},"taxonomies":{"post_tag":""},"readTime":{"min":0,"sec":44},"status":"publish"},{"id":1945,"link":"https:\/\/sjrmortgages.co.uk\/labours-changes-to-housing-policy\/","name":"labours-changes-to-housing-policy","thumbnail":{"url":false,"alt":false},"title":"Labour\u2019s changes to housing policy","excerpt":"","content":"Following Labour\u2019s landslide election win, much of the nation is waiting to find out what is in store for the","author":{"name":"Samuel Roy","link":"https:\/\/sjrmortgages.co.uk\/author\/sjrmortgages\/"},"date":"Aug 16, 2024","dateGMT":"2024-08-16 10:37:38","modifiedDate":"2024-08-12 11:28:38","modifiedDateGMT":"2024-08-12 11:28:38","commentCount":"0","commentStatus":"open","categories":{"coma":"Uncategorised","space":"Uncategorised"},"taxonomies":{"post_tag":""},"readTime":{"min":2,"sec":20},"status":"publish"},{"id":1896,"link":"https:\/\/sjrmortgages.co.uk\/high-ltv-mortgages-are-they-a-good-idea\/","name":"high-ltv-mortgages-are-they-a-good-idea","thumbnail":{"url":"https:\/\/sjrmortgages.co.uk\/wp-content\/uploads\/2024\/06\/Untitled-1920-x-1080-px-16.png","alt":""},"title":"High LTV mortgages \u2013 are they a good idea?","excerpt":"","content":"Prior to the Spring Budget, there was speculation that the government may introduce a 1% mortgage deposit scheme. That did","author":{"name":"Josh Taylor","link":"https:\/\/sjrmortgages.co.uk\/author\/jtaylor\/"},"date":"Aug 12, 2024","dateGMT":"2024-08-12 09:49:00","modifiedDate":"2024-07-10 11:43:23","modifiedDateGMT":"2024-07-10 11:43:23","commentCount":"0","commentStatus":"open","categories":{"coma":"Uncategorised","space":"Uncategorised"},"taxonomies":{"post_tag":""},"readTime":{"min":1,"sec":9},"status":"publish"},{"id":1911,"link":"https:\/\/sjrmortgages.co.uk\/doctor-couple-buying-their-dream-new-build-home\/","name":"doctor-couple-buying-their-dream-new-build-home","thumbnail":{"url":false,"alt":false},"title":"Doctor couple buying their dream new build home","excerpt":"","content":"Case overview: Clients: ST6 Doctor and Self-Employed Doctor Property value: \u00a3545,000 Loan amount: \u00a3463,250 LTV: 85% Useful guides related to","author":{"name":"Josh Taylor","link":"https:\/\/sjrmortgages.co.uk\/author\/jtaylor\/"},"date":"Aug 5, 2024","dateGMT":"2024-08-05 09:50:00","modifiedDate":"2024-07-10 11:41:48","modifiedDateGMT":"2024-07-10 11:41:48","commentCount":"0","commentStatus":"open","categories":{"coma":"Uncategorised","space":"Uncategorised"},"taxonomies":{"post_tag":""},"readTime":{"min":0,"sec":59},"status":"publish"},{"id":1929,"link":"https:\/\/sjrmortgages.co.uk\/the-truth-about-house-prices\/","name":"the-truth-about-house-prices","thumbnail":{"url":false,"alt":false},"title":"The Truth About House Prices","excerpt":"","content":"Following a slight dip in April, UK house prices showed modest growth in May. The average house price rose monthly","author":{"name":"Josh Taylor","link":"https:\/\/sjrmortgages.co.uk\/author\/jtaylor\/"},"date":"Jul 31, 2024","dateGMT":"2024-07-31 20:00:04","modifiedDate":"2024-07-17 20:05:11","modifiedDateGMT":"2024-07-17 20:05:11","commentCount":"0","commentStatus":"open","categories":{"coma":"Uncategorised","space":"Uncategorised"},"taxonomies":{"post_tag":""},"readTime":{"min":1,"sec":6},"status":"publish"},{"id":1908,"link":"https:\/\/sjrmortgages.co.uk\/property-refinancing-for-a-uk-landlord\/","name":"property-refinancing-for-a-uk-landlord","thumbnail":{"url":false,"alt":false},"title":"Property refinancing for a UK landlord","excerpt":"","content":"Case overview: Clients: Portfolio in Ltd company name Portfolio value: \u00a31 million Property value: \u00a3200,000 Loan amount: \u00a3120,000 LTV: 60%","author":{"name":"Josh Taylor","link":"https:\/\/sjrmortgages.co.uk\/author\/jtaylor\/"},"date":"Jul 29, 2024","dateGMT":"2024-07-29 08:12:06","modifiedDate":"2024-07-10 11:34:32","modifiedDateGMT":"2024-07-10 11:34:32","commentCount":"0","commentStatus":"open","categories":{"coma":"Uncategorised","space":"Uncategorised"},"taxonomies":{"post_tag":""},"readTime":{"min":0,"sec":51},"status":"publish"}]
