ONE plus point of using a mortgage adviser like myself is that we often get the chance to discuss cases directly with the underwriters. And sometimes this means we can put them straight!! Just like the time a plumber client of mine was looking to...

Exploring Shared Ownership Mortgages in the UK: What You Need to Know Are you looking to buy a home in the UK but don't have enough money for a full mortgage? A shared ownership mortgage might be the perfect option for you. In this blog post, we...

What is Loan-to-Value (LTV) and Why it Matters in UK Mortgages When it comes to getting a mortgage in the UK, there is a term you should know: Loan-to-Value (LTV). Knowing what LTV is, how it works, and why it matters can help you understand the...

Fixed Mortgage Rates: Deciding Between a 2-Year and 5-Year Term When it comes to making the important decision of choosing a fixed mortgage rate, it can be difficult to decide between a 2-year and 5-year term. Both have advantages and disadvantages...

How Much Mortgage Can You Get Based on Your Income? Are you looking to purchase a house and are curious about how much mortgage you can qualify for based on your income? If so, this blog post is for you. We'll discuss the maximum borrowing on...

The Ultimate Guide to Making the Most of Equity Release Are you over the age of 55 and feeling the financial pinch? Equity release could be the answer you’ve been looking for. Equity release allows people over the age of 55 to unlock the cash in...

A Case Study on How Paying Extra Reduces Your Mortgage Amount Mortgages are a significant financial commitment, and for many of us, our mortgage payments are our largest monthly expense. While it can be difficult to come up with extra money to pay...

The Smart Way to Manage Debt and Save Money: Consolidate and Remortgage Are you struggling to manage your debt? If so, you’re not alone. Many people find themselves in a financial bind due to high interest rates and monthly payments that can be...

Cracking the Code: Understanding UK Mortgage Terms Are you looking to buy a home in the UK, but overwhelmed by all the mortgage terminology? You’re not alone! Navigating the mortgage world can be intimidating, especially if you don’t understand the...

How a Mortgage Decision in Principle can Benefit You Are you considering buying a home, but don’t know how to get started? A mortgage decision in principle can be a great way to get the ball rolling. It is a formal document that states an...

Mortgage Borrowing in the UK: What's Driving Bank Decisions The UK mortgage market has seen major changes in recent years. Banks and lenders are now much more cautious when it comes to approving mortgages, as they face increased competition,...

Don't Wait! Check If Your Life Insurance Still Covers Your Needs Today It's easy to forget about life insurance when you don't need it. But life changes quickly and if your insurance policy is out of date, you may find yourself inadequately covered...

Inflation and mortgage rates: What every homeowner should know For many homeowners, understanding the connection between inflation and mortgage rates can be daunting. Inflation has a direct impact on mortgage rates and can affect how much you pay...

To Fix or Not to Fix? Exploring the Pros and Cons of UK Mortgage Rates When it comes to mortgages, one of the most important decisions you have to make is whether to fix or not to fix your mortgage rate. Many UK homeowners face this dilemma, and...

Are you renting and just wishing you could afford to buy your own home? Is it the struggle to save a deposit while staying on top of your bills that is really holding you back? After all, with the cost of living sky-rocketing, how on earth can you...

Could you keep your roof over your head if unexpected illness or injury strikes? Protect your home and financial future with proper income protection HERE’S a question for you all… how would you pay your mortgage and bills if you were suddenly left...

Crushing your mortgage faster with savvy financial tactics Are you tired of feeling like you’ll never pay off your mortgage? You’re not alone! Homeowners all over the world struggle to make ends meet, but with a few savvy financial tactics you can...

The Crucial Differences Between Base Rate and Mortgage Rates in the UK When it comes to mortgages and other types of borrowing, the terms “base rate” and “mortgage rate” are often used interchangeably. However, it is important to understand that...

Passing On The Family Wealth: The Role of The Bank of Mum and Dad in Financing Property Purchases The Bank of Mum and Dad has become an increasingly popular form of financing for property purchases, as many parents look to help their children...

DON’T tell Mick Jagger, but I must admit I took plenty of satisfaction from helping a South African couple secure their first home in the UK. As ever, this was not a straightforward case, there were obstacles to clear. The first was that the couple...

THERE are many mortgage myths but one common one is that you cannot get a mortgage if you have ever been declared bankrupt. Wrong. Not only could you still go on to buy your own home with a mortgage, but you could do so a lot quicker than you...