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

How the latest Budget affects affordability for UK borrowers, and why getting advice early matters The recent Budget has put affordability back in the spotlight for both new and existing borrowers. Even small shifts in tax thresholds, allowances and household costs can have a meaningful effect on what lenders will allow you to borrow, and

Why getting mortgage advice early makes all the difference Whether you are sitting on a low fixed rate, thinking about releasing money for home improvements, or managing the extra complexity of being self employed, getting advice early is one of the smartest financial steps you can take. The UK mortgage market continues to shift, lenders

Why “Mortgages in Schools” Matters to You Now The UK government has announced that, from September 2028, financial education will become a compulsory part of the school curriculum in England. Pupils will be taught about key topics such as budgeting, mortgages, savings and the responsibilities of borrowing. While this change is targeted at the next

First-time buyers in 2025, what is changing and how families can help Getting onto the property ladder remains one of the biggest financial steps most people will ever take. The landscape for first-time buyers has shifted in 2025, and while there are some encouraging signs, the deposit hurdle is still the main challenge. Many families

Are You Ready for Higher Mortgage Payments? For many UK homeowners, 2025 is shaping up to be a challenging year financially. As the Bank of England continues to navigate inflation and lenders adjust their product ranges, thousands of borrowers are seeing their monthly mortgage payments increase, sometimes by hundreds of pounds. At Prospect Tree Mortgages,

Recommend a Friend and Be Rewarded At Prospect Tree Mortgages, we believe great service speaks for itself. Most of our new clients come through personal recommendations, and that’s something we’re extremely proud of. If you’ve recently worked with us to secure a mortgage, remortgage, or protection policy, you’ll already know how much time, care, and

Why Using a Mortgage Broker Beats Going Direct to the Bank When it comes to finding the right mortgage, many people start by visiting their bank. It feels familiar, convenient, and straightforward. But what if that approach limits your options or costs you more in the long run? That’s where working with a broker like