News & Insights

Self-employed individuals can secure a mortgage without formal accounts by providing tax returns, bank statements, or contracts. Larger deposits and guarantor or specialist lenders can also help. Working with a mortgage broker, like Bell Financial Solutions, can improve your chances and help find the best options.

Buy-to-let mortgages help investors purchase rental properties. They require higher deposits and interest rates, and lenders assess affordability based on rental income. Key factors include stamp duty, rental yield, and tax obligations.

From trendy Ancoats to family-friendly Didsbury, Manchester offers a neighborhood for everyone. Whether you seek vibrant city life or a peaceful retreat, our guide highlights top areas to call home.

A high-net-worth mortgage is a specialised loan for affluent individuals with £300K+ income or £3M+ assets, offering flexible terms and larger loans. It requires complex underwriting, higher down payments, and expert guidance but helps optimise wealth management and liquidity.

Securing a mortgage as a business owner can be challenging due to stricter lending criteria. Lenders require proof of financial stability, consistent income, and often a larger deposit. Proper preparation and working with a mortgage broker or specialist lender can improve your chances

Are you on the mortgage deal that fits your current circumstances? In today’s ever-changing financial landscape, it’s easy for mortgage deals to become outdated before you know it, and increasingly important to be aware of what’s out there that could be of interest to you.Mortgage advice at your fingertips

Tracker mortgages have gained significant traction in the UK housing market throughout 2024, with recent data showing a 67% surge in uptake compared to 2021.1 The appeal of these products stems from their flexible nature, offering interest rates that follow the Bank of England’s base rate, which has become especially attractive amidst ongoing economic uncertainty and fluctuating interest rates.

Chancellor Rachel Reeves has delivered Labour’s first Budget since 2010, after the party’s return to power in July’s general election.

Time is running out for first-time buyers looking to save big on their property purchase. According to new research from Zoopla, buyers have just two months left to take advantage of the current stamp duty relief before rates rise, potentially saving as much as £15,000.

With the summer holidays now behind us, the Autumn home-selling season has kicked off in full force – and this year, it’s busier than ever! After a quieter property market in 2023, where many prospective buyers and sellers held back due to soaring mortgage rates and stubbornly high inflation, it seems 2024 is seeing a rebound.

With A-Level results delivered, excitement is building as families across the UK prepare to send their children off to university. But amidst the flurry of packing and planning, have you considered how to protect your child’s expensive gadgets and treasured possessions?

As house prices continue to rise, getting onto the property ladder feels more like a distant dream for many first-time buyers. But here’s some good news: it’s not as tough as it seems! With a variety of innovative mortgage options and government-backed schemes, securing that first home is more achievable than ever.

Owning a property is likely to be one of the most significant financial decisions you’ll ever make. Whether you purchased your home recently or some time ago, ensuring that your Will accurately reflects your property ownership is crucial. This often-overlooked step is vital to protect your assets and ensure they are distributed according to your wishes

With voting taking place this week for the General Election, many homeowners and prospective buyers are wondering how the results might impact their mortgages.

Gardens have long been desirable and known to add value to property, and with the increase in hybrid working in recent years, the desire for outdoor space can make for a key area that can add both value and appeal to your home.If your property has a garden, we’ve put together a few ideas that may help enhance its value and charm this Summertime, especially if you are looking to advertise your home for sale in due course.

What happens if the institution that looks after your savings goes bust? While memories of the 2008 banking crisis are receding with each passing year, there will always be a concern that money placed with any bank or other institution could be at risk.

If you have a trip booked this summer, the last thing you want is to worry about your home security while you’re away. You’ve worked hard all year and deserve a well-earned break. Holidays are important, and it’s likely you have something planned that you’re looking forward to. The last thing you want is a phone call saying your home has been burgled while you’re enjoying your holiday.

Buying a home is one of the most significant purchases you’ll ever make. While it’s exciting to imagine your new space, it’s crucial to keep your finances in check. Here are some fun and practical ways to save money during your home-buying journey.