News and guides

Information & Guides · 6 September 2024 · 3 min

Why Reviewing Your Insurance Alongside Your Mortgage is a Smart Move

When you’re in the process of getting a mortgage, it’s easy to focus just on finding the best deal. But have you ever thought about reviewing your life and…

Information & Guides · 4 September 2024 · 4 min

Bad credit mortgages: getting a mortgage with CCJs, defaults or a low credit score

You can often get a mortgage with bad credit. How lenders view CCJs, defaults, DMPs, IVAs, bankruptcy and payday loans, why there’s no single credit score, and practical steps to improve your chances.

Information & Guides · 2 September 2024 · 3 min

Mortgage overpayments: should you overpay, and how much could you save?

On a £200,000 mortgage at 5%, overpaying £100 a month could save about £24,500 in interest. Worked examples, the 10% allowance, reduce term vs payment, and when saving beats overpaying.

Company Updates · 31 August 2024 · 2 min

A Day in the Life of a Mortgage Broker: Numbers, Negotiations, and a Dash of Caffeine

Ever wonder what it’s like to be a mortgage broker? Imagine a day filled with numbers, negotiations, and just enough caffeine to keep things moving. It’s a…

Company Updates · 29 August 2024 · 7 min

Fee-free mortgage brokers: are they really free, and how do they get paid?

Are mortgage brokers free? Many are paid by the lender, some charge you a fee. How brokers get paid, whether it affects your rate, what to check, and when a no-fee mortgage deal works out cheaper.

Information & Guides · 28 August 2024 · 4 min

Self-employed and company director mortgages: how lenders work out your income

Yes, you can get a mortgage if you’re self-employed or a company director. See how lenders work out your income, how many years’ accounts you need, and whether dividends or net profit gets you more.

Information & Guides · 27 August 2024 · 4 min

What is a commercial mortgage? How they work, criteria and costs

A commercial mortgage is a loan secured on business or investment property. How they work, typical deposits and terms, what lenders assess, costs, and when a mixed-use mortgage is FCA-regulated.

Information & Guides · 25 August 2024 · 3 min

Why You Should Look Beyond Just the Interest Rate When Choosing a Mortgage

When you start thinking about getting a mortgage, it’s almost instinctive to ask, “What’s the best interest rate?” It’s the most visible number, and it…

Information & Guides · 23 August 2024 · 4 min

Key Trends in Property Sales in England (2017-2024)

The property market in England has undergone significant fluctuations over the past seven years, reflecting broader economic conditions, policy changes, and…

Information & Guides · 21 August 2024 · 5 min

Mortgage Myths: From the Silliest Misconceptions to the Serious Truths

Navigating the world of mortgages can feel daunting, especially with the abundance of myths and misconceptions floating around. As a UK mortgage broker, we…