Self-employed Mortgages

Mortgage Myths That Could Cost You Thousands: Myth #3 – “I Have to Wait Until My Fixed Rate Ends Before I Can Do Anything” Waiting Could Mean Missing an Opportunity One of the most common things we hear from homeowners is: “My mortgage doesn’t end until next year, so there’s nothing I can do yet.” […]

Mortgage Myths That Could Cost You Thousands: Myth #2 – “I’m Self-Employed, So I Won’t Get a Mortgage” Being Self-Employed Doesn’t Mean You Can’t Buy a Home If you’re self-employed, you’ve probably heard at least one of these comments: “Banks don’t like self-employed people.” “You’ll need years and years of accounts.” “You’ll never borrow as

Mortgage Myths That Could Cost You Thousands: Myth #1 – “My Own Bank Will Give Me the Best Mortgage” Loyalty Is Valuable, But It Doesn’t Always Mean the Best Mortgage Many of us have banked with the same provider for years. Our salary goes into the account every month, we know the app inside out,

The Renters’ Rights Act: What Landlords Need to Know and Why Mortgage Advice Matters More Than Ever A New Chapter for the Private Rental Sector The rental market in England has undergone one of its biggest changes in decades with the introduction of the Renters’ Rights Act. The reforms are designed to provide tenants with

The Biggest Mortgage Mistake We See People Make And It’s Probably Not the One You’re Thinking Of When people think about mortgage mistakes, they often imagine missing a payment, choosing the wrong product or buying a property they can’t afford. While those are all important considerations, the biggest mistake we see is much simpler. People

It Might Be Earlier Than You Think When most people think about reviewing their mortgage, they assume they need to wait until their current deal is coming to an end. In reality, there are plenty of reasons to review your mortgage long before then. The mortgage market changes regularly. Lenders introduce new products, update their

What Happens in Your First Meeting with a Mortgage Adviser? It Might Be Much Simpler Than You Think For many people, the hardest part of getting a mortgage isn’t finding the right property or comparing interest rates. It’s making that first phone call. We completely understand why. If you’ve never spoken to a mortgage adviser

Waiting for the Perfect Time Could Cost You Why Trying to Time the Mortgage Market Is So Difficult One of the most common conversations we have with prospective clients goes something like this: “We’re thinking about moving, but we’re just waiting to see what happens with rates.” It’s an understandable approach. After all, nobody wants

Are Lenders Becoming More Flexible? Why Mortgage Borrowers May Have More Options Than They Realise For several years, much of the conversation around mortgages has focused on rising rates, affordability challenges, and the difficulties faced by buyers trying to get onto or move up the property ladder. While those challenges haven’t disappeared entirely, there is

Why Mortgage Rates Don’t Always Follow the Bank of England Understanding What Really Influences Mortgage Rates One of the most common misconceptions we hear is that mortgage rates move directly in line with the Bank of England Base Rate. It seems logical enough. If the Bank of England cuts rates, mortgage rates should fall. If