What Is a Mortgage Broker?
Whether you’re stepping onto the property ladder for the first time, moving to a new home, or refinancing an existing mortgage, working with a mortgage broker can offer valuable support, clarity, and access to the most suitable mortgage deals. But what exactly is a mortgage broker? What services do they provide, and are they worth […]
Bank of England votes to hold the base rate at 4 per cent in September 2025
The Monetary Policy Committee (MPC) has voted to hold the Bank of England base rate at 4%, maintaining its cautious stance as it continues to monitor inflationary pressures. Seven members voted in favour of holding, while two voted for a reduction to 3.75%. In its statement, the Committee confirmed it “remains focused on squeezing out […]
High-net-worth mortgage: Tailored lending for complex wealth
Why high-net-worth mortgages matter High net worth mortgages are designed for individuals whose finances extend beyond the scope of standard lending. High-net-worth individuals (HNWIs) often have multiple income sources, significant assets, and unique financial situations that require bespoke mortgage solutions. Partners in an accountancy firm, for example, may benefit from these arrangements due to their […]
The art of accepting an offer on your property
Why choosing which offer to accept can be more complex than it seems Selling your property is a major milestone that brings both excitement and anxiety. After navigating countless viewings and assessing feedback, receiving an offer signifies a crucial turning point in the journey. However, deciding which offer to accept can be more complicated than […]
How to prepare your home for viewings to potential buyers
Many buyers decide within moments of entering a home whether it’s right for them When it comes to selling your home, planning ahead can significantly impact the process. Timing also plays a crucial role, with spring being a prime season for sales. While this trend is generally applicable, it’s important to acknowledge that regional variations […]
Can I remortgage if I’m in the middle of my mortgage deal?
Exploring the options and considerations with examples Yes, remortgaging during an existing mortgage deal is possible, and sometimes it’s even beneficial, depending on your circumstances. You might consider remortgaging partway through a deal for several reasons, such as consolidating debt, securing a better interest rate, or releasing equity from your home for renovations or other […]
Will mortgage rates fall this year?
Persistent inflation or global economic shocks could disrupt plans for rate cuts The UK’s mortgage holders and prospective homeowners will closely monitor interest rates throughout 2025, hoping for a decrease in borrowing costs after a prolonged period of high rates. The Bank of England, which has been overseeing inflation and economic growth, recently provided some […]
How to get a mortgage with bad credit
With the right approach, you can turn that dream of homeownership into a reality For many people, owning a home is the ultimate dream. However, having bad credit may make this seem like an impossible goal. It’s important to remember that while bad credit can complicate securing a mortgage, it is not out of reach. […]
Understanding a Mortgage in Principle
How to significantly enhance your property-buying experience Purchasing a home is one of life’s major milestones, and understanding your financial position before your search begins is crucial. One particularly useful option for aspiring homeowners is obtaining a Mortgage in Principle. Whether you’re a first-time buyer or a seasoned homeowner looking to upsize or downsize, this […]
Opening the door to your first home
A guide to first-time buyer mortgages Climbing onto the property ladder is a significant milestone. However, for many first-time buyers, grasping the concept of mortgages can feel overwhelming. Understanding the basics and exploring various options can make the process smoother and less intimidating. With a clear plan and appropriate advice, purchasing your first home can […]