We use all major portals, Rightmove, Zoopla and On the Market which are exclusive to independent agents. Your property will also be advertised across all social media platforms and our website.

There are many factors to consider when deciding how long it can take to sell your property. These can be the listing price, the market itself, and the condition of your home.... usually we aim at around 4 to 6 months.

We have a handy online tool you can access here >>> www.rokmarsh.co.uk and this will give a property valuation straight away depending on what other houses have sold for in your area. These cannot always be true therefore we do recommend one of our property agents to come out and visit your property to give a true figure.

There are costs involved to sell your home, including estate agent fees (paid upon completion) which vary between 0.8 - 1.25%, solicitor fees, stamp duty, and removal costs. We offer free professional floorplans and photography.

Having an estate agent is always great as they will have great property knowledge, access to all marketing resources and potential buyers lines up. The great thing about ROK Marsh is the on board mortgage advisors from RBM.

In short yes. So what does whole of market mean? It means our mortgage brokers can access products representative of the whole of market. It doesn't mean you have access to every mortgage product that's available, they will have products that are potentially better than another 'whole of market' broker.

It all depends on the lender you are using, some lenders will give you a free extension to your current mortgage offer. Others will need you to re-apply with a new application in case of circumstance changes. Lenders will most likely credit check again when extending your offer so DONT take out any additional credit until the mortgage is complete.

The main things that dictate how much a person or couple can borrow is income and current credit commitments. All lenders have different ways to calculate what someone can borrow.

You will need a minimum of 5% deposit. The more deposit you put in, the better the interest rates will be. For example, if you put in 15% deposit this will get you a better interest rate than a 10% deposit.

This will vary depending on the loan amount, the term of the mortgage and the interest rate.

A repayment mortgage is guaranteed to pay off your mortgage by the end of the term as long as all payments have been made.

An interest only mortgage is where your monthly payments are only covering the cost of the interest and your loan amount will remain the same. At the end of the term, you would either need to sell the property to repay the mortgage or find another source to repay the loan.

As a minimum, the building itself needs to be insured. We would usually recommend that you also insure the contents within your home too. Other insurances we recommend are life insurance and income protection insurance, all of which are quoted from across the whole of the market.

Yes. You can “remortgage” to another lender to take advantage of their better interest rates. As part of our service we will contact you as you approach the final few months of your existing mortgage deal to provide you with details of the options available to you.

There are various costs associated with buying a property which we’ve detailed below:

Stamp Duty Land Tax (SDLT): currently first time buyers are not required to pay SDLT. Current percentages payable can be found at https://www.gov.uk/stamp-duty-land-tax

Solicitor’s fees: These are based on the purchase price. It is important to make sure when searching for solicitors the quality is checked to keep your cost down, for example, are they on panel with your lender? Are there lease costs to consider? Additional searches? We have a vast array of approved solicitors we are happy to provide you with a bespoke, accurate quote for this.

Valuation fees: For most lenders these are also based on purchase price. Many lenders offer free valuations, especially for first time buyers and remortgages. Also, this can escalate if you want more than just a basic survey, to a home buyers survey or a full structural survey. Make sure you discuss with your adviser which is best for you.

Lenders arrangement fees: These can usually be either added to the mortgage or paid up front and average at about £999.00.

Mortgage broker fees: We charge competitive broker fees to our clients. We also offer a price-match guarantee – if you can find a broker fee elsewhere that is cheaper, then we will match it.

Yes, however you could have early repayment charges to pay if you have only had your mortgage product for a short amount of time.

Can I make overpayments on my mortgage to pay it off sooner?

Yes, most lenders allow up to 10% of the mortgage balance to be overpaid each year without incurring any penalties.

A Buy-to-Let mortgage is where you buy anther property specifically as an investment with the intention of letting it out.

Normally a minimum of 25% deposit, however, there are providers who will do this with a 20% deposit, typically at a higher rate of interest.

Not for your main residence, but if you have investment properties that were bought on a Buy-to-Let basis, these will be subject to Capital Gains Tax.

This is a score that we all have and is based on how we have conducted our finances over the preceding six years and is used by Financial Services companies to assess our credit worthiness.

However, it’s more important to focus on the content of the credit report, which breaks down the conduct, balances and general behaviours. Many lenders now do not credit score, but credit check.

We recommended Check My File to monitor this for yourselves, as this checks against the three main credit checking providers, Experian, Equifax & Trans-union.

Here’s a link below which provides you with a free 28 day trial:

https://www.checkmyfile.com/credit-report.htm?ref=matthewmarsh&cbap=1

You can improve your score by proving that you can repay debt and cope with any credit commitment you have, such as loans and credit cards and by paying things like mobile phone bills and utility bills on time. Also, it helps to be on the electoral role.

Contact us at RBM Solutions for a free no obligation assessment.

T: 02393 233267

E: adviser@rbmsolutions.co.uk