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In today's challenging property market, many aspiring homeowners face the daunting reality of being unable to secure a mortgage on their own. Rising property prices, strict affordability assessments, and stagnating wages mean that owning a home can feel out of reach - especially for first-time ...

Securing a mortgage as a self-employed individual can be a more complex process compared to salaried borrowers, but it is absolutely possible. Whether you're a freelancer, contractor, or business owner, understanding the eligibility requirements, documentation needed, and the specific challenges ...

If you’ve ever felt overwhelmed by your finances, you’re not alone. So many people struggle with budgeting and feel like it’s something they should be doing but aren’t quite sure how to approach. Between bills, unexpected expenses, and figuring out how to save for the future, it can be a lot to ...

If you’re thinking about buying a home in the next 12 months, now is the perfect time to start preparing. Getting mortgage-ready isn’t just about finding the right property, it’s about making sure your finances, credit, and paperwork are all in order so that when the time comes, you’re in the best ...

When it comes to getting a mortgage, many people assume they know roughly how much they can borrow, often this is based on a quick online calculator or a brief chat with their bank. But what if we told you that you might be able to borrow more than you think?

Remortgaging can seem daunting, but it's a vital financial step for homeowners as their mortgage deals come to an end. Whether you're aiming to secure a better rate, release equity, or even move home, understanding your options is crucial.

If you're a first-time home buyer, you probably have a whole host of questions: Is now a good time to buy? Should I wait for prices to drop? What about interest rates?

Buying a home is an exciting milestone, but the mortgage process can feel overwhelming, especially if you're a first-time buyer. In this blog post, we’ll break down the essentials of what you need to know before applying for a mortgage. Whether you're months away from buying or just starting to ...

After a challenging few years marked by a peak Base Rate of 5.25%, the Bank of England has announced a much-anticipated reduction to 5%.

As expected, interest rates have remained stagnant at 5.25% in June 2024, despite the recent announcement of lower than anticipated inflation.

Navigating the mortgage market as a self-employed individual can feel like a daunting task, especially with the uncertainties of the current cost-of-living crisis.

Or at least change the tyres? Currently, mortgages in the UK all broadly work in the same format, whether you go for a fixed rate or a variable rate.