Mortgage information, news and knowledge

First-Time Buyer Myths That Can Keep Tenants Renting for Longer
Many tenants would like to buy a home but postpone the mortgage conversation because they assume they will not qualify.

Buying Another Rental Property? Start the Mortgage Conversation Before the Viewing
A landlord spots a promising rental property, arranges a viewing and begins calculating the potential rent. The property appears affordable,

Bank Rate, Swap Rates and Mortgage Pricing: What Borrowers Need to Know
When the Bank of England changes Bank Rate, borrowers often expect mortgage rates to move immediately in the same direction.

Commercial and Semi-Commercial Property Finance: What Makes It Different?
A landlord may find a shop with a flat above it, an office building that could produce rental income or

Fixed Rate or Tracker Mortgage: Match the Product to the Plan
Should a borrower fix their mortgage rate or choose a tracker? It is one of the most common mortgage questions—and

Seven Client Moments That Should Trigger a Mortgage Referral
Letting and estate agents regularly speak to landlords, tenants, purchasers and vendors at moments when property finance becomes important. A

Limited Company or Personal Name? The Finance Questions Landlords Must Ask
Should a landlord buy their next rental property personally or through a limited company? There is no universal answer. The

Bridging Finance Without a Clear Exit Strategy: Why the Numbers Must Work Twice
Bridging finance can help a landlord act quickly when an ordinary mortgage cannot be arranged within the required timescale. It

Why a Lender Valuation May Differ From an Estate-Agent Appraisal
A landlord may receive an encouraging appraisal from an estate agent, agree a purchase price or plan a remortgage—and then

Should Landlords Remortgage to Release Equity?
A rental property may have increased in value since it was purchased, while the outstanding mortgage balance may also have