News and guides

Information & Guides · 19 August 2024 · 8 min

Rural property mortgages: houses with land, smallholdings and barn conversions

You can usually get a residential mortgage on a house with land, a smallholding or a barn conversion, but fewer lenders will consider it. How lenders treat acreage, private services and business use.

News · 14 August 2024 · 4 min

The Shifting Landscape of UK Mortgage Lending: A Tale of Interest Rates and Borrower Preferences

The UK mortgage market has experienced significant shifts over the past two decades, with changing interest rates and borrowing preferences highlighting…

Information & Guides · 11 August 2024 · 5 min

Navigating the UK Mortgage Interest Rates: A Three-Year Retrospective

The UK mortgage market has seen significant changes over the past three years, largely driven by economic conditions and the Bank of England’s monetary…

Information & Guides · 29 November 2023 · 4 min

Debt consolidation mortgages: how they work, the risks and the alternatives

Consolidating debt into your mortgage can cut monthly payments, but it secures those debts on your home and can cost far more overall. How it works, a worked example, and the alternatives to consider first.

Information & Guides · 15 November 2023 · 3 min

How long should I fix my mortgage for? 2, 5 or 10 years explained

There’s no single right length for a mortgage fix. Compare 2, 5 and 10-year fixes and trackers, early repayment charges and today’s rates, with a simple decision guide.

Information & Guides · 1 November 2023 · 3 min

Joint borrower sole proprietor mortgages (JBSP): how family can help you buy

A JBSP mortgage lets a family member add their income to your application without owning the home. Who it suits, how lenders assess it, the risks for helpers, stamp duty and how to remove a helper later.

Information & Guides · 18 October 2023 · 4 min

10 Top Tips for Re-mortgaging Your Home

Re-mortgaging your home can be a strategic financial move, offering the opportunity to secure a better deal, lower your monthly payments, or release equity…

Information & Guides · 4 October 2023 · 5 min

Protecting Your Future with Essential Insurance: A Guide to Protection Insurance

Unfortunately, we cannot predict the future and that means that life is full of all sorts of uncertainties, however, we can take steps to protect ourselves…

Information & Guides · 21 September 2023 · 4 min

Bank of England Base Rate Update: How It Affects Your Mortgage

Already own your own home or considering buying a property for the first time? Then you may have heard about the Bank of England Base Rate. Today the Bank…

Information & Guides · 20 September 2023 · 8 min

What is bridging finance? How bridging loans work, costs and when to use one

A plain guide to bridging loans: how they cover the gap between buying and selling, regulated vs unregulated, what they really cost, how fast they complete and why your exit plan matters most.