How does the Bank of England Base Rate affect Mortgage Rates? For homeowners and buyers across the UK, interest rates can have a big impact on finances. One of the most common questions we hear is how does the Bank of England base rate affect mortgage rates? Whether you are on a tracker mortgage, a … Read more

Do I Need Life Insurance? Why saying Yes Could Be the Smartest Move You Make Buying a home is a proud and exciting milestone. It also comes with one of the biggest financial responsibilities of your life your mortgage. At this point, many people ask the question: Do I need life insurance? The honest answer … Read more

Positive Shifts in the UK Mortgage Market: Why Now Could be the Right Time to Act The UK mortgage market has been through a whirlwind over the last couple of years, with rising interest rates, inflationary pressure, and economic uncertainty keeping many would-be buyers and homeowners on the sidelines. But now, in 2025, the tide … Read more

How the Housing Market is Shifting for Millennials and Gen Z Buyers The UK housing market has long been a hot topic, particularly for younger generations striving to get onto the property ladder. Over the past decade, Millennials (those born between 1981-1996) and the emerging wave of Gen Z buyers (born after 1996) have faced … Read more

First Time Buyer’s Guide to the Mortgage Process Buying your first home is an exciting milestone for any first time buyer, but it can also be overwhelming especially when it comes to securing a mortgage. With so many options, jargon, and processes to navigate, it’s easy for first time buyers to feel lost. That’s where … Read more

How Much Can You Afford to Borrow on your Mortgage? A Guide to Securing an Agreement in Principle Buying a home is one of the biggest financial decisions you will ever make, and understanding how much can you afford to borrow on your mortgage is crucial. Obtaining an Agreement in Principle (AIP) is a key … Read more

How to Secure a Mortgage if You Are Self-Employed Securing a mortgage when you’re self-employed can feel like a daunting task. Unlike traditional employees who can present payslips as proof of income, self-employed individuals often have to jump through extra hoops to prove their financial stability. However, with the right preparation and expert guidance, getting … Read more

A Complete Guide to Remortgaging: What You Need to Know. Remortgaging can potentially help homeowners save money, secure better interest rates, or release equity from their property. In this guide, we’ll cover everything you need to know about remortgaging, including when it may be beneficial to remortgage and how to get started. What is Remortgaging? … Read more

What is the difference between a fixed rate or variable rate mortgage? If you’re embarking on the exciting journey of homeownership then one of the key mortgage decisions you’ll need to make is whether to go for a fixed rate or variable rate mortgage. Each has its own advantages and disadvantages so it is important … Read more

Self-Employed Mortgages If you’re self-employed and dreaming of buying a home, you might be wondering if getting a mortgage is even possible. With the increasing number of self-employed individuals in the UK, it’s essential to understand the challenges they face when it comes to securing a mortgage. In this article, we will explore the mortgage … Read more