Prospect Tree Mortgages

Mortgage lending is becoming more flexible in 2026, and what it means for you Over the past couple of years, many borrowers have felt restricted by affordability, rising living costs and uncertainty around interest rates. Some assumed they could not move, remortgage or borrow more, while others delayed plans altogether. However, behind the scenes, mortgage […]

Supporting excellence, celebrating leadership, Daniel Bell-Drummond’s testimonial year begins At Prospect Tree Mortgages, supporting individuals who demonstrate commitment, professionalism and consistency is incredibly important to us. That is why we are proud to sponsor Daniel Bell‑Drummond, and even prouder to attend the launch of his testimonial year last week. It was a fantastic day, marking

Self-employed and think you can’t get a mortgage? It’s time to challenge that assumption One of the most common things we hear from new clients is: “I’m self-employed, so I’ve always assumed getting a mortgage would be really difficult, or impossible without a huge deposit.” In reality, many self-employed people can get a mortgage, including

Is the cost of moving holding you back? Renovating your current home could be the answer For many homeowners, the idea of moving house feels increasingly out of reach. Stamp duty, legal fees, estate agent costs, removal expenses, and higher mortgage rates can quickly add up, turning what should be an exciting step into a

Approaching retirement with an interest-only mortgage? You may have more options than you think If you are approaching retirement and still have an interest-only mortgage, you are not alone. Many homeowners took these mortgages years ago, often with a clear plan in place at the time. However, as retirement gets closer, that plan may no

Going through a divorce? Understanding your mortgage and later life lending options Divorce or separation is one of the most challenging life events anyone can face. Alongside the emotional impact, there are often complex financial decisions to work through, particularly when a property and mortgage are involved. For many people, the biggest question is simple

Struggling to manage unsecured debt? There may be ways to reduce the monthly pressure With the cost of living still high, many households are feeling the strain of juggling unsecured debts such as credit cards, personal loans and overdrafts. Monthly payments can quickly add up, especially when interest rates on unsecured borrowing are significantly higher

New year, new options, why now is the time to review your mortgage The start of a new year is a natural moment to take stock. For many homeowners, that means looking at finances, setting goals, and thinking about what the next twelve months might bring. One area that is often overlooked, but can make

Helping family onto the property ladder, the right and wrong way to do it With house prices still high, deposits hard to build, and the cost of living continuing to stretch household budgets, many first-time buyers are getting help from family. In fact, the “Bank of Mum and Dad” has become one of the UK’s

The hidden festive risk of credit cards and Buy Now Pay Later Every December, millions of people across the UK lean on credit cards and Buy Now Pay Later services to make Christmas feel a little easier. With higher living costs and stretched household budgets, it is completely understandable that many families spread payments over