You might have seen our emails about the Bank of England base rate, or you have been watching it very closely yourself! It’s an important one as it’s the benchmark for borrowing costs across the UK. Lenders use it as one of the inputs when pricing mortgage products. As of early 2026, the [...]
Big news from the mortgage world: Nationwide are releasing interest-only mortgages to first-time buyers. A major shift that’s got plenty of people talking. If you’ve been watching the housing market and wondering how to make the numbers work, this change might just open new doors. But as always, it’s important to understand what’s [...]
If you’re a homeowner in the UK, you might have heard the term “mortgage prisoner” being thrown around, but what does it mean, and how could it affect you? A mortgage prisoner is someone who is up to date with their mortgage payments, but is unable to switch to a more affordable deal. [...]
When it comes to buying a property or remortgaging in the UK, most people don’t think about mortgages until they’ve already found a home, or their current deal is nearly up. But by then, the clock is ticking, and options can be limited. Speaking to a mortgage broker around six months before you’re [...]
Are you looking for a new mortgage? How organised are you? Let’s go through some of the key criteria and get your chances looking nice and healthy! From first-time buyers to those remortgaging, and everything in between. Every lender has its own method to decide whether it wants to lend to [...]
Do you hold one of the fixed rate COVID-era mortgages coming to an end this year? Unfortunately, the rate has risen significantly since then. We can’t offer generalised advice without understanding your situation in detail. So contact us for personalised help. Remember, we are here to help. We’ve seen it all before, and [...]
Have you heard of a secured loan before? It is a loan that uses an asset as collateral. Which means, the lender can take the asset you nominate if you can’t repay the loan. If you face a lot of credit card debt after the holidays, a secured loan can be a good way [...]
Is it time to Remortgage? Do you have a mortgage? Did you know that Barclays* recently announced an analysis of the mortgage market, predicting significant changes between now and December 2024. During this period, over £98.4 billion worth of residential mortgages and £16.4 billion worth of buy-to-let deals will be ending. [...]
Are you coming to the end of a fixed rate mortgage or have your circumstances changed? For example, a new baby or job? We do a deep dive into one of the more complex concepts of mortgages and why your circumstances might affect them. Have you heard of ‘stress tests’ before? Introduced in 2014, [...]
When it comes to managing your mortgage, there often comes a point where you need to make a decision that could significantly impact your financial future. Two common options that homeowners consider are mortgage product transfers and remortgages. While both choices offer unique advantages, the importance of seeking advice from a professional mortgage adviser [...]
