How to get a mortgage: 4 ways to improve your affordability
Stay ahead of the affordability curve. High interest rates and the cost of living can make getting a mortgage seem daunting, but there are a few things you can do to make yourself more attractive to lenders. Boost your chances with our four essential tips. How do lenders decide whether to offer you a mortgage? [...]Product transfer v remortgage: what’s right for you?
When your mortgage deal comes to an end, it’s natural to wonder what’s next. Should you stick with your current lender and switch to a new deal—or explore what other providers have to offer? Understanding the difference between a product transfer and a remortgage is the first step. And with expert advice, you can turn uncertainty into confidence. What [...]Time to remortgage? Why it’s important to speak to an adviser to find the right deal
If your mortgage deal is coming to an end, you’re not alone. Thousands of homeowners are fast approaching the end of their fixed terms, and for many, that brings a crucial question: is now the right time to remortgage? With interest rates rising sharply over the last couple of years, this is no longer a [...]Can I borrow more money when I come to remortgage?
When your fixed rate ends, remortgaging is not only a chance to potentially secure a better deal, but it can also be an opportunity to borrow additional funds. For some homeowners, this can be a way to finance big plans, from home improvements to helping your own children onto the property ladder. But how much [...]5 Tips to help you find your first home
Struggling to know where to start your homebuying journey? We’ve got you covered. There’s a lot to think about when buying your first house. It’s probably one of the biggest financial decisions of your life, so we’re sharing five tips to help you make sure you find the perfect home. Start with an open mind [...]Bump in the road: the value of advice when life doesn’t go to plan
Bump in the road: the value of advice when life doesn’t go to plan We all like to think we’ve got life under control. A stable job, a roof over our head, savings for the future — or at least a plan to get there. But then something happens. A job loss. A health diagnosis. [...]What are the pros and cons of 100% mortgages?
A 100% mortgage is, very simply, a home loan which allows the buyer to purchase a property without putting down any money (or a deposit) up front. Prior to 2008, it was common for lenders to offer deposit-free mortgages as standard, with some even allowing consumers to borrow more than the property’s value for living [...]Why is it harder for first-time buyers to buy in 2025?
For first-time buyers in 2025, 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) compared to an average of £53,424 in 2024. A recent report by Skipton found that just one in eight […]
Your Guide to Saving For a Mortgage Deposit
Let’s get you ready to start saving for your deposit. Buying a house is expensive, especially if you’re a first-time buyer. 60% say the cost of raising a deposit is one of the biggest barriers to home ownership, second only to the cost of repayments. First-time buyers are being squeezed by creeping house prices, the […]