Getting a mortgage isn't always straightforward. If you're self-employed, approaching retirement, have an irregular income, or have had credit problems in the past, you may have found it isn't always easy to get the mortgage you need. However, changes to mortgage rules introduced in October, along with further proposals from the UK's financial regulator, [...]
For many homeowners, the thought of their interest-only mortgage ending can be daunting. After years of monthly payments, the outstanding mortgage balance remains, and the question of how to repay it suddenly becomes very real. For some, downsizing has always been the plan. Selling up, moving somewhere smaller, and freeing up some money might [...]
There’s something about October that makes us suddenly notice all the jobs around the house we’ve been successfully ignoring since spring. The boiler gets switched back on. The heating goes up a notch. We discover that one window has apparently never been completely draught-proof. And somewhere in the back of our minds is the [...]
Do you own a rental property? From 1 May, the new Renters’ Rights Act came into force, bringing major changes to how landlords manage tenancies and recover possession of their properties. One of the biggest changes is the removal of Section 21 ‘no-fault’ evictions, meaning landlords must rely on specific grounds when seeking possession. [...]
For all the talk of AI tools and comparison sites reshaping financial services, the latest data on the UK mortgage market tells a different story: human advice still matters, and it matters more than ever. If you're navigating a purchase or remortgage yourself, this is exactly the kind of support we're here to offer, [...]
By now you'll have seen the news: Andy Burnham took office as Prime Minister on 20 July, becoming the UK's seventh PM in a decade. A change like this always brings a wave of questions from clients, so this month's newsletter is dedicated to cutting through the headlines and focusing on what actually affects [...]
The new June announcement from the UK Government could be one of the most significant changes to the homebuying process in England in years. If implemented as proposed, the reforms aim to tackle the biggest frustrations buyers and sellers face: long delays, failed transactions, hidden information and duplicated paperwork. What is changing? Upfront sales [...]
With so much happening in the world right now, it can be hard to know what it all means for your mortgage. We've pulled together the latest on UK interest rates, what's driving them, and, most importantly, what it could mean for you. As always, if you have any questions, we're just a message [...]
After some turbulent years, the UK mortgage market is showing signs of maturity and resilience. For borrowers who plan, there are genuine opportunities. As your trusted broker, we are here to help every step of the way. We’ve researched and spoken to industry professionals to give you an update ahead of summer. So, you [...]
A note from your financial adviser First, I just want to say, if you're going through this, I'm sorry. Divorce at any age is hard. But when it happens later in life, it comes with a particular kind of weight. You've built something together over decades, and now you're facing the task of unpicking [...]
