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Why Your Income Doesn’t Have to Look Like Everyone Else’s When people think about getting a mortgage, they often imagine a straightforward application. A salary, a few payslips, a deposit and a lender’s decision. But not everyone’s income looks like that. You might be self-employed, a company director, a contractor, a CIS worker or someone […]

For many parents, there comes a point when their children are working, earning and ready to take the next step in life, but still living at home because buying a property feels out of reach. For the children, it can be frustrating too. They may have a regular income, be contributing towards household bills and

It is not always one big expense that makes household finances difficult to manage. Sometimes, it is the steady increase in lots of smaller costs. The weekly food shop, household bills, fuel, insurance and family commitments can gradually take up more of your income. You may be earning the same amount as before, but finding

Here’s Why You Should Be Talking to Us Now If your current fixed-rate mortgage comes to an end in the next six months, there is a very good reason to start thinking about it now rather than leaving it until the last minute. Martin Lewis has recently been highlighting the importance of starting the mortgage

You Don’t Need to Be Buying a Property to Start a Conversation Many people assume they only need to speak to a mortgage adviser when they are buying a house. Others wait until their fixed-rate mortgage is about to end. But there are plenty of other times when having a conversation about your mortgage could

The Lowest Rate Doesn’t Always Tell the Whole Story It’s completely understandable that mortgage rates receive so much attention. When you’re borrowing hundreds of thousands of pounds, even a small difference in interest rates can affect your monthly payments. But focusing solely on the headline rate can sometimes mean missing other important parts of the

Your Mortgage May Still Be the Same, But Your Life Probably Isn’t When most people take out a mortgage, they understandably focus on getting the purchase completed or securing a new deal. Once everything is in place, the mortgage often becomes something that sits quietly in the background until the fixed rate is due to

Why Your Mortgage Adviser Should Probably Be One of Your First Calls Thinking about moving house is exciting. You start looking at properties online, perhaps visit a few estate agents and begin imagining what life could look like in your new home. But before you fall in love with a property, there’s one conversation we

Sometimes the Best Mortgage Decision Is Not to Do Anything If you’ve been in your home for several years, you may find yourself wondering whether it’s time for a change. Perhaps your family has grown. Maybe you’ve built up some equity. Your current mortgage deal might be coming to an end. Or perhaps you’re simply

It’s Not Always About How Much a Lender Will Give You When you’re thinking about buying a home, one of the first questions you’re likely to ask is: “How much can I borrow?” It’s an important question, but perhaps an even more important one is: “How much can I comfortably afford?” Those two figures aren’t