Your credit score—built from borrowing and repayment history—plays a key role when remortgaging. Everyday spending and borrowing decisions influence how lenders view your financial health. Continue reading “How Spending Choices Affect Your Mortgage Options”
Author: CarlB
Understanding Maturing Rates: What You Need to Know
As we approach the end of 2025, more fixed-rate mortgages are ending. Some borrowers are holding off, expecting cuts, while others feel unsure about their options. Continue reading “Understanding Maturing Rates: What You Need to Know”
Your Mortgage Review Checklist for Autumn
With Autumn approaching, it’s a smart time to take stock. Proactive checks can save thousands over the life of your loan.
Continue reading “Your Mortgage Review Checklist for Autumn”
Five Considerations for Your Mortgage
Monthly repayments and headline rates get all the attention, but several overlooked touchpoints can save money and add flexibility.
Loan to Income vs Loan to Value: What’s the Difference?
Starting a home-buying or remortgage journey means bumping into two similar-sounding terms—LTI and LTV—that measure very different things. Understanding both helps you see how much you can borrow and the kind of mortgage you may be offered. Continue reading “Loan to Income vs Loan to Value: What’s the Difference?”
Freedom to Buy: Making Homeownership Accessible
The dream of owning a home just got a little easier. In July 2025, the government launched Freedom to Buy, a permanent mortgage guarantee scheme designed to help more buyers step onto—or move up—the property ladder. Continue reading “Freedom to Buy: Making Homeownership Accessible”
Economic Outlook: The Time to Buy
If you’ve been wondering whether to take the leap and buy a home, summer 2025 could be the perfect moment—especially if you want to settle into a new space ahead of 2026. Continue reading “Economic Outlook: The Time to Buy”
Limited Company Buy-to-Let: Time to Rethink?
If you’re a landlord with more than one property, you’ve probably noticed the landscape has changed. Stricter regulations, tighter margins, and rising tax have made it harder for casual landlords to turn a solid profit. That’s why more and more landlords are now choosing to own their properties through a limited company, quickly becoming the new normal. Continue reading “Limited Company Buy-to-Let: Time to Rethink?”
The Middle East: Indirect Mortgage Impact
If your mortgage is coming up for renewal, you’re probably already aware that the days of low interest rates are behind us. Many homeowners are moving off COVID-era deals, fixed at 1–2%, and facing a market where rates are significantly higher. Continue reading “The Middle East: Indirect Mortgage Impact”