News & Insights

If you are planning to buy a home, it is important to understand how mortgage interest rates work. In the UK, mortgage interest rates are set by the Bank of England's Monetary Policy Committee. The committee sets the rate at which commercial banks can borrow money from the bank. This rate is called the "base rate."

Remortgaging when self-employed is a topic that's heavily discussed and for good reason too. Although remortgaging when self-employed can be complicated with potential obstacles in the way, you may be able to remortgage your property if you choose to do so. As a general rule of thumb, if you're looking to consider a remortgage for your property, we recommend looking into it at least three months before the end of your current mortgage deal.

In today's world, the way people are working is rapidly changing. As of 2022, it's estimated that there are around 1.77 million freelancers operating across the UK. It can be difficult to successfully get through the process of getting a mortgage if you're a freelancer but this blog post will outline all you need to know for your mortgage application.

In this guide, we’ll help take you through the key steps and decisions that need to be made as you find a new home, from finding the right property for you, through to sourcing the funding for your dream home, selling your existing home and practical tips for the moving day itself.

Firstly, property investment isn’t a decision to be taken lightly, and must be well considered before putting two feet in. Many believe it to be an easy path to making money, however, it is a business in its own right and you must approach with your eyes open, not focussing purely on the financial gains associated to it.

Remortgaging is when you look to move from one mortgage deal to another, either staying with your existing lender or moving to a new one. As the years go by, you don’t necessarily have to stay on the same mortgage as the one you initially took out, as your personal circumstances will change over time, giving you reasons to remortgage.

When you take out a mortgage, you understand the importance of keeping up your monthly payments. You now have a home, but how do you ensure it remains yours? Although we don’t like to think about it or think that it will never happen to us, sometimes unfortunate events can happen in life that can change your financial situation.

We have somehow created a company made up of the most impatient and hyperactive individuals. So believe me when I tell you that nobody in the world wants your mortgage to be approved as fast as we do.

When making a big decision, it’s human nature to seek advice from those who know what they’re doing, whether it is choosing your next car or scoping your next holiday destination. Buying a house is one of the biggest transactions you’ll ever make, so it makes sense to speak to an mortgage adviser before you get started.

This is the most common question and conversation starter we are presented with from clients. Along with “what mortgage can I afford?” and “what can I borrow?”. And this question doesn’t always come from emails or calls into the office. This is what we are asked at networking events, in the pub or even in a doctor’s surgery.