Your mortgage questions answered: A friendly guide from your mortgage broker — in plain English. How much can I realistically borrow? Lenders typically offer 4–4.5x your annual income, but it's more nuanced than that. They'll look at your outgoings, debts, credit history, and income type. I'll do a thorough affordability assessment, [...]
It’s a busy time for changes in the mortgage world. Are you up to date? We are seeing lots of exciting advancements for you! From help securing that first mortgage to those who are ready to remortgage this year. But don’t forget, professional advice is essential to get the most out of your [...]
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 [...]
January is often seen as the month for fresh starts. We declutter our homes, reset routines and take a closer look at our spending after the festive season. But one area that’s often overlooked is the mortgage—even though it’s likely to be your most significant monthly commitment. If you haven’t reviewed your mortgage [...]
Delivered by Chancellor Rachel Reeves on 26th November, the 2025 Autumn Budget brings a mix of new changes. We’ve gone through the details, and here are some changes that you’ll want to keep a close eye on. The good news first: Stamp Duty remains unchanged for main-residence buyers. The government reaffirmed its commitment [...]
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 [...]
Delivered by Chancellor Rachel Reeves on 26th November, the 2025 Autumn Budget brings a mix of new changes. We’ve gone through the details, and here are some changes that you’ll want to keep a close eye on. Taxes & Pensions Income tax thresholds: These will be frozen for an additional three [...]
Regularly reviewing your insurance policies ensures your cover remains accurate and current.As circumstances change — such as income, property value, dependents, or lifestyle — your insurance needs may shift too. A periodic review helps you: Identify gaps in coverage Prevent over- or under-insuring Confirm that premiums and benefits still offer good value for [...]
Refinancing a mortgage isn’t always as simple as finding a lower rate. Changing incomes, property values, and tighter lending rules can all create barriers that make remortgaging more complex than expected. With many fixed-rate and introductory loans coming to an end in 2026, now is the perfect time to review your options and [...]
Zero to £10K! Let’s set a goal of saving £10,000. But first, ask yourself: where’s your money going instead of your savings? £5 coffee every day: £1,825 per year £50 takeaway per week: £2,704 per year £65 per month subscription: £780 per year That’s a lot of money that could be heading straight [...]
