Case Study - What Should I Think About Before My Current Mortgage Deal Ends? If your current mortgage deal is due to end soon, it’s important to plan ahead. Waiting until the last minute could mean rolling onto your lender’s Standard Variable Rate (SVR), which...
Bank of Mum and Dad: Remortgaging and Equity Release Explained Parents who want to help their children buy a home often look at ways to access capital from their own property. For many, this means either remortgaging or using equity release. Both routes can work well...
Bank of Mum and Dad – Gifted Deposits Explained For many first-time buyers and home movers, saving a deposit can be one of the biggest challenges in getting onto or moving up the property ladder. Even where income and affordability checks are met, the rising...
Joint Borrower Sole Proprietor Mortgages – A Smart Solution for First Time Buyers Buying your first home is rarely straightforward, especially if your income on paper doesn’t reflect your true ability to afford the mortgage. For company directors and business owners,...
What’s the Difference Between a Consent to Let and a Buy to Let Mortgage? Sometimes life changes mean moving home sooner than expected. For one client, a change in family circumstances, a daughter starting school, and concerns about the area (including a neighbouring...
When Retirement Mortgages Make More Sense Than Equity Release Why exploring all your later-life borrowing options can lead to a better outcome It’s not uncommon for clients to approach us thinking that equity release is the only option available once they hit...
Divorce, Deposits and Contractor Mortgages – A Case Study Divorce is a major life event—and when it involves selling the marital home, it often comes with big financial decisions. For many, this is the point where mortgage planning and future housing goals need to be...
Bank of England Base Rate Cut – What It Means for Your Mortgage The Headlines vs. The Reality The Bank of England recently announced a cut to the base rate. It made big news and left many homeowners wondering whether their mortgage payments would now go down. For most...
Understanding the Bank of Mum and Dad: Mortgage Support Explained For many buyers, getting onto the property ladder—or moving up it—can be challenging. House prices in many areas remain high compared to average incomes, and lenders’ affordability assessments can...
How a Joint Borrower, Sole Proprietor Mortgage Helped a First-Time Buyer Secure Their Dream Home When you are a first-time buyer with big ambitions, the numbers on paper don’t always tell the full story. One of our accountancy partners referred to a client who wanted...
How the 18-Month Rule Works for Self-Employed Mortgages Applying for a mortgage when you are self-employed can feel more complicated than it should. One of the most common questions we hear is: “How recent do my accounts or tax returns need to be?” This is where the...
Mortgage Affordability Changes in 2025 – What You Need to Know In March 2025, the Bank of England announced a major change to the way lenders assess mortgage affordability. This has created new opportunities for borrowers who, under the old rules, may not have been...
Lifetime Mortgage Myth: You Can’t Move Home One of the more persistent myths about lifetime mortgages is: “Once you take one out, you’re stuck in your home forever.” It’s an understandable assumption—after all, the term lifetime mortgage suggests a long-term...
Lifetime Mortgage Myth: You Can’t Get Out of It When people hear the term “lifetime mortgage”, many assume that it means just that: a mortgage that lasts for the rest of your life, with no way out. That can feel daunting—and even off-putting—especially for those who...
Why the Right Mortgage Advice Matters for Company Directors: From Limited Options to the Home They Really Wanted When it comes to getting a mortgage, company directors are often told they don’t earn enough—even when their business is thriving. For one couple,...
Getting a Mortgage With an Unusual Business Structure—What Really Matters When a company director has multiple businesses and a tax-efficient structure, getting a mortgage isn’t always straightforward—even if they can comfortably afford it. In this real-life case, a...
Business Owners & Mortgages: Common Misconceptions Explained For many business owners, the mortgage process can feel more complicated than it needs to be. Misinformation and well-meaning assumptions often lead to costly decisions or missed opportunities. In this...
Lifetime Mortgage Myth: You Can’t Get Out of It When people hear the term “lifetime mortgage”, many assume that it means just that: a mortgage that lasts for the rest of your life, with no way out. That can feel daunting—and even off-putting—especially for those who...
