Topic

Mortgages

Everything on getting, moving and remortgaging a home loan in the UK, from first-time buyer to buy-to-let.

Money & Finance

The Fact Find and What to Expect

Discover the importance of a fact find in financial planning. Learn how it helps understand client needs, provide personalised advice, assess risk, and ensure compliance.

22 Jul 2026 · 5 min read

Mortgages

Interest Only Mortgages

Looking for information on interest-only mortgages? Read our insight to learn what an interest-only mortgage is, how it works, and the pros and cons of this type of mortgage.

22 Jul 2026 · 8 min read

Mortgages

Second Home Stamp Duty

Buying an additional property? You may need to pay the second home stamp duty surcharge. This insight explains what you need to know.

22 Jul 2026 · 5 min read

Mortgages

What is a Tracker Mortgage?

A tracker mortgage adjusts its interest rate in line with a market benchmark, such as the Bank of England base rate. But, that won't be right for everyone. We explain why...

22 Jul 2026 · 8 min read

Mortgages

4 Little Known Truths About Equity Release

Discover 4 little known truths about equity release for homeowners aged 55+. Access funds without owing more than your home's value. Leave inheritance, not just for retirees. Move house with flexibility.

31 May 2024 · 7 min read

Mortgages

Amenity Land

All there is to know about Amenity Land, or Amenities Land, including the chances of financing the purchase, with planning permission, through a commercial land mortgage.

31 May 2024 · 7 min read

Mortgages

Buying a House: Step by Step Guide

Buying a house for the first time in modern times is an achievement. Understanding the house buying process can give you an upper hand. In this insight we cover all you need to know about buying a house.

31 May 2024 · 13 min read

Mortgages

Serviced accommodation mortgages

Serviced accommodation mortgages offer investors an opportunity to benefit from financial leverage and access to higher rental yields through the short term let market.

31 May 2024 · 8 min read

Mortgages

Buying to Let as a First Time Buyer

If you're buying to let as a first time buyer, learn about the requirements and options you have available before you begin to invest in your first rental property.

31 May 2024 · 7 min read

Mortgages

Can I Get A Mortgage With My Parents?

Yes, you can get a mortgage with your parents by using a joint borrower sole proprietor mortgage. This mortgage combines your affordability power with your parents while you legally own the property. Other options include joint and guarantor mortgages.

31 May 2024 · 7 min read

Mortgages

Can You Get a Bridging Loan to Buy Land?

Can you get a bridging loan to buy land? Yes, you can! This type of financial solution, has become increasingly popular amongst property developers, investors, and speculators for land acquisition.

31 May 2024 · 9 min read

Mortgages

Can You Remortgage Early?

If you want to lower your mortgage payments or borrow more, you may consider remortgaging early, but can you remortgage early? Without the right advice, doing so could result in certain penalties...

31 May 2024 · 8 min read

Mortgages

Can You Remortgage if House Prices Drop?

Discover how to navigate remortgaging in a volatile housing market. Can you can remortgage if house prices drop? Yes, but it's not straightforward. Consider factors like your equity, affordability, costs, and seek professional advice.

31 May 2024 · 5 min read

Mortgages

What is a Chancel Repair Liability Search?

Discover the significance of a Chancel Repair Liability Search when buying a UK property. Understand the historical origins and responsibilities of Chancel Repair Liability. Learn how to conduct a search, the importance of awareness, and insurance options.

31 May 2024 · 5 min read

Mortgages

What is a Flood Risk Search?

Learn about the flood risk searche in property conveyancing. Understand their importance, types of assessments, data analysis, and implications for property value and insurance coverage.

31 May 2024 · 6 min read

Mortgages

Furnishing A Buy to Let

Furnishing a buy to let is not only a great way to add value to the property, but it also makes it more attractive to potential tenants.

31 May 2024 · 6 min read

Mortgages

House Hacking in the UK

House hacking is commonly used in the US to describe a method used to try and self-finance a mortgage. But, is House hacking in the UK really a possibility?

31 May 2024 · 7 min read

Mortgages

How Do Swap Rates Affect Mortgages?

Discover how swap rates affect mortgage interest rates. Learn how these fluctuations impact your borrowing costs and make informed decisions for your home financing. Stay updated on market trends and consult with experts to secure the best mortgage terms.

31 May 2024 · 6 min read

Mortgages

How Easy Is It To Switch Mortgages?

So, how easy is it to switch mortgages? Switching Mortgages be very easy, if you are organised and return the essential paperwork quickly, your mortgage adviser will take care of the rest.

31 May 2024 · 6 min read

Mortgages

How Long Does a Mortgage Application Take?

How long does a mortgage application take? It's too long! Learn about the paperwork, and how to speed it up. Move into your new home quicker by understanding the mortgage timeline.

31 May 2024 · 6 min read

Mortgages

Is a 125 Year Lease Long Enough?

Is a 125 year lease long enough? it may not be, it gives you a limited time to you owning your lease. One way or another, you must take action, either selling or extending yours.

31 May 2024 · 8 min read

Mortgages

Is Buy to Let Worth It?

Is buy-to-let worth it? In this insight, we will cover the pros, cons, and factors to consider. We weigh the costs using a real example including using interest only mortgages.

31 May 2024 · 12 min read

Mortgages

Is It Worth Buying Land In The UK?

Is It Worth Buying land In The UK? Explore the benefits, challenges, and factors to consider before making a decision. Get expert advice on land investment.

31 May 2024 · 9 min read

Mortgages

What is a Mining and Subsidence Search?

Understand the benefits of the mining and subsidence search. Learn about historical activities, hazards, and insurance considerations for properties in mining-affected areas.

31 May 2024 · 7 min read

Mortgages

The Mortgage Advice process

Mortgage advice involves mortgage recommendations from a qualified and regulated mortgage adviser, find out what to expect from the mortgage advice process in this insight.

31 May 2024 · 7 min read

Mortgages

Mortgage With Less Than 3 Years In The UK

Obtaining a mortgage with less than 3 years in the UK is difficult, but not impossible. This insight explains all you need to know to get on the housing ladder as soon as possible.

31 May 2024 · 6 min read

Mortgages

Mortgages For Over 60s

Mortgages for over 60s are available, however you need to be aware of the rules. In this insight, we cover the requirements and options around lending into retirement.

31 May 2024 · 8 min read

Mortgages

Peppercorn Ground Rent

Peppercorn Ground rent is an exceptionally low fee made to the freeholder for renting the land if you own the leasehold of your property.

31 May 2024 · 6 min read

Mortgages

Is Equity Release a Good Idea In Retirement?

With more people looking at alternatives to pensions, is releasing equity for retirement a viable option? How can equity release be used for retirement? Is Equity Release a Good Idea In Retirement?

31 May 2024 · 7 min read

Mortgages

Remortgaging When House Value Has Increased

Discover key insights on remortgaging when house value has increased, including understanding equity, benefits of increased value, factors to consider, and the importance of expert advice.

31 May 2024 · 6 min read

Mortgages

SA302s for Mortgages

If you are self employed, you are required to provide SA302s for mortgages. In this insight we cover how lenders use them to assess if your application is acceptable or not.

31 May 2024 · 5 min read

Mortgages

Searches When Buying a House

Discover the intricacies of what are the searches when buying a house, and why they are an essential part of your property purchase journey.

31 May 2024 · 7 min read

Mortgages

Shared Ownership: A Comprehensive Guide

Discover shared ownership, the smart way to get on the property ladder with a smaller deposit or income. Learn how it works, eligibility requirements, staircasing, selling, and more. Start your journey to homeownership now!

31 May 2024 · 7 min read

Mortgages

Should I Buy a 1 Bed or 2 Bed Flat?

Should I Buy a 1 Bed or 2 Bed Flat? If your budget stretches, it's a tough choice to choose an extra bedroom, it comes with extra costs. Is it worth it?

31 May 2024 · 8 min read

Mortgages

Specialist Mortgages

Explore the world of specialist mortgages for unique circumstances. Get tailored solutions, expert guidance, and access to a wide range of lenders. Find your perfect loan today.

31 May 2024 · 5 min read

Mortgages

Standard Variable Rate Mortgage

If you are on a standard variable rate you could be paying more than you need to be. We cover what to know and if there are any benefits to remaining on the SVR.

31 May 2024 · 8 min read

Mortgages

What Influences Mortgage Rates?

Understand the factors that influence mortgage rates in the UK and how in turn that can help you to understand what is a good mortgage rate.

31 May 2024 · 8 min read

Mortgages

The LIFT Scheme in Scotland: A Guide to Affordable Home Ownership Options

The LIFT scheme in Scotland provides affordable home ownership options for individuals and families who face financial barriers. This guide covers eligibility requirements, differences between Shared Equity and Shared Ownership, the NSSE scheme, the application process, finding eligible properties, fees and costs, and potential benefits and drawbacks.

31 May 2024 · 12 min read

Mortgages

What Is A Mortgage Promise?

Discover the meaning of a mortgage promise and how to obtain one. Learn about affordability assessments, income requirements, and how long it lasts.

31 May 2024 · 9 min read

Mortgages

What Is A Reasonable Service Charge?

Wondering what a reasonable service charge is? Learn the average, factors to consider, property type impact, and what to do if it's too much. Including Sunny Avenue data.

31 May 2024 · 7 min read

Mortgages

What is the Simple Definition of Mortgage?

Discover the simple definition of a mortgage: a loan for buying a property. Learn about repayment, types, and finding the best deal for homeownership. Take the first step towards your dream home.

31 May 2024 · 8 min read

Mortgages

What Is A Cheeky Offer On A House?

Learn, what is a cheeky offer on a house, plus what % is a cheeky offer on a house? When cheeky offers are appropriate, how to calculate your offer, and its implications in the home buying process.

19 Feb 2024 · 8 min read

Mortgages

Does The Seller Get a Copy Of The Survey?

The seller does not automatically get a copy of the survey. The property survey belongs to the buyer, and the seller will only know the survey results if the buyer decides to share them.

13 Feb 2024 · 7 min read

Mortgages

How to Put Pressure on Solicitors

Discover how to speed up the complex conveyancing process. Understand the role of solicitors and factors impacting speed. Communicate effectively, set deadlines, involve estate agents, and leverage mortgages.

17 Jul 2023 · 5 min read

Mortgages

Limited Company Buy to Lets

Deciding whether using Limited Company Buy to Lets is right for you is not a straightforward decision, in this insight, we cover your options and how best to proceed.

14 Jun 2023 · 8 min read

Mortgages

Bridge to Let Mortgage

A Bridge to Let Mortgage is a financing option for buyers that allows them to purchase a property before they switch to a buy to let mortgage. Learn more about bridge to let mortgages in this insight.

13 Jun 2023 · 8 min read

Mortgages

What Can A Bridging Loan Be Used For?

Perhaps someone has mentioned a bridging loan, and that has left you wondering, what can a bridging loan be used for? Is it the solution to your property chain?

13 Jun 2023 · 8 min read

Mortgages

Home Reversion Calculator

Learn about using a home reversion calculator and how to estimate equity release. But beware of drawbacks and consider a lifetime mortgage as an alternative. Speak to an equity release adviser for professional advice.

19 Apr 2023 · 6 min read

Mortgages

Equity Release Council

Learn about the Equity Release Council and how their rules protect consumers seeking equity release advice in the UK.

4 Apr 2023 · 6 min read

Mortgages

No Negative Equity Guarantee

Protect your estate with a No Negative Equity Guarantee. Learn how this safeguard ensures you'll never owe more than your property's value

27 Mar 2023 · 5 min read

Mortgages

The Ultimate Guide to the Mortgage Journey for First-Time Buyers with a Mortgage Adviser

Looking to buy your first home but feeling overwhelmed by the mortgage application process? Our guide to the mortgage client journey is here to help! Learn what to expect when working with a mortgage adviser, from finding the right loan to closing the deal. With our step-by-step guidance, you'll feel confident and informed every step of the way. Let's make your homeownership dreams a reality!

21 Feb 2023 · 5 min read

Mortgages

Can I change conveyancers

You need the right legal experts when buying or selling a home. What happens if you're not happy with your current conveyancer? Can you change them?

4 Feb 2023 · 6 min read

Mortgages

can i sell my house if i have equity release?

Equity release can be repaid if you are selling your house. You can repay the loan in full, or take it with you to your new home. Your Equity release lender will need to be made aware of your intentions and approve any move.

30 Jan 2023 · 8 min read

Mortgages

5 Considerations for First Time Buyers

As a result of my experience working in Mortgages, I have put together 5 considerations that every First Time Buyer should be aware of before they start their mortgage journey!

12 Jan 2023 · 5 min read

Mortgages

What is conveyancing?

Conveyancing is the legal work that is required when buying or selling a property. In this insight we cover exactly what it is and how to appoint a conveyancer for your needs.

28 Dec 2022 · 6 min read