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How to get a mortgage: 4 ways to improve your affordability

Stay ahead of the affordability curve With high interest rates and the rising cost of living, getting a mortgage can feel daunting. The good news is that there are practical steps you can take to make yourself more attractive to lenders. Follow these four essential tips to boost your chances. How do lenders decide whether [...]

Are your finances match fit? Why financial protection matters more than you think

Every four years, the World Cup reminds us how quickly fortunes can change. One moment a team is flying high, the next a single injury or unexpected setback can alter everything. Financially, life works in a similar way. Many people focus on building their future - buying a home, supporting a family or creating financial [...]

News Letter June

What could the King’s Speech mean for homeowners, landlords and borrowers?

The King’s Speech is one of the most important moments in the political calendar. While delivered by the King, it is written by the Government and sets out the laws and priorities ministers plan to focus on over the coming parliamentary year. For many people, these announcements can feel distant from everyday life. But the [...]

First-time buyer benefits – what schemes are available?

Any first-time buyer trying to save up for a deposit to purchase their first home may feel daunted by how expensive the housing market is. There is no doubt that it is much more difficult to get your foot onto the property ladder than ever before. In 2023, House Buyer Bureau reported that house prices [...]

Why is it harder for first-time buyers to buy in 2026?

Why is it harder for first-time buyers to buy in 2026?  For first-time buyers in 2026, the property market is in stark contrast to when previous generations bought their first homes. The average first-time buyer in 1960 paid a deposit of just £595 (roughly £12,738 today)[1] compared to an average of £53,424 in 2024[2]. A [...]

Why speaking to your adviser matters more than ever

  With mortgage rates shifting in response to global events, the Chancellor has asked the UK’s biggest lenders to step up support for borrowers. As part of this, lenders will soon be contacting 1.6 million customers whose fixed‑rate deals are ending this year to outline the help available.   While this is welcome news, it’s [...]

Remortgaging in uncertain times: what global events could mean for your next deal

For the majority of homeowners, the end of a fixed-rate mortgage deal is already a moment that requires careful financial planning. But when global events begin to create uncertainty in financial markets, the question of when and how to remortgage can feel even more complex. Recent tensions in the Middle East have added another layer [...]

What does the Middle East conflict mean for my mortgage application?

Global events can often feel distant and disconnected from everyday financial decisions, but the reality is that the two are closely linked. The recent escalation of tension in the Middle East has raised fresh questions in financial markets about inflation, energy prices and the path of interest rates. For those people currently applying for a [...]

Human advice still matters: What protection behaviour in 2025 tells us

In an increasingly digital world, it’s easy to assume that financial decisions are best made online, through comparison tools, calculators and automated journeys. But when it comes to protection, recent research suggests something very different. Despite the growth of technology in financial services, people still value human advice, especially when decisions feel personal, emotional or [...]

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