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

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