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Recent Articles


Buy-to-Let Mortgages Explained: How They Work and What UK Landlords Need to Know
If you're considering buying a property to rent out, you'll likely need a buy-to-let mortgage . These work differently to residential...


How to Remortgage Your Home in the UK: Step-by-Step Guide to Saving Money
Remortgaging can be one of the smartest financial decisions a homeowner makes — whether you're looking to save money, switch to a better...


Can You Get a Mortgage If You’re Self-Employed in the UK? Complete Guide
Getting a mortgage when you’re self-employed in the UK can feel like jumping through more hoops than it should — but it’s entirely...


Joint Mortgages Explained: How They Work, Who Can Apply, and What to Watch Out For
Buying a home is one of the biggest financial commitments you’ll ever make — and for many people, the only way to get on the ladder is to...


What Is a Mortgage Agreement in Principle and Will It Affect Your Credit Score?
If you're starting your home buying journey in the UK, you've likely heard the term “Agreement in Principle” (AIP) or “Decision in...


First-Time Buyer Mortgage Checklist UK: Everything You Need to Get Approved
Buying your first home is exciting — but it can also feel overwhelming. Between saving for a deposit, preparing paperwork, and...


How Credit Card Debt Affects Your Mortgage Application in the UK
When applying for a mortgage, most people focus on their income and deposit. But one key factor that often catches applicants off guard...


Mortgage Affordability Checks in the UK: What Lenders Look For and How to Prepare
Securing a mortgage isn’t just about how much you want to borrow — it’s about how much you can realistically afford to repay. Before...


The Costs of Buying a House in the UK: A Complete Breakdown
Buying a home is one of the biggest financial commitments you’ll ever make. Beyond the purchase price, there are several costs involved...


What Income Can I Use on a Mortgage Application in the UK?
When applying for a mortgage, lenders assess your income to determine how much you can borrow. But what types of income are accepted?...


How to Determine What House Price You Can Afford in the UK
Buying a home is a major financial decision, and knowing what price range to search for is essential. Your income, deposit, mortgage...


What Factors Do Mortgage Lenders Consider When Approving a Loan?
Applying for a mortgage is a significant financial step, and lenders carefully assess various factors before approving a loan....


What is a Fixed-Rate Mortgage? A Complete Guide
A fixed-rate mortgage is one of the most popular types of home loans in the UK. It offers borrowers a set interest rate for a fixed...


Can You Get a Mortgage with Bad Credit in the UK? What You Need to Know
Getting a mortgage is already a big financial step — and if you have a poor credit history, it can feel even more daunting. Many would-be...


How Much Deposit Do You Need for a Mortgage in the UK? A Complete Guide for Buyers
Saving for a house deposit is one of the biggest hurdles when buying a home — whether you’re a first-time buyer or moving up the ladder....


How Long Does a Mortgage Offer Last? Everything You Need to Know
When applying for a mortgage, one of the key things to consider is how long your mortgage offer lasts. A mortgage offer is the lender’s...


How Long Should I Fix My Mortgage For? A Complete Guide to Choosing the Right Mortgage Term
When it comes to choosing a mortgage, one of the most important decisions you'll need to make is whether to opt for a fixed-rate mortgage...


What is an Interest-Only Mortgage? A Complete Guide for UK Homebuyers
An interest-only mortgage is a type of home loan where you only pay the interest on the loan each month for a set period, rather than...


Fixed, Tracker or Variable Rate Mortgage? Which Type Is Right for You?
Choosing the right mortgage type is one of the most important financial decisions you'll make when buying a home or remortgaging. Your...


Leasehold vs Freehold: What’s the Difference and Which is Better for You?
When buying a property in the UK, one of the most important decisions you'll need to make is whether to purchase a leasehold or freehold...
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