Self‑Build Mortgages: Turning Your Dream Home Into a Reality
Have you always dreamed of building your own home? A self‑build mortgage could be the key to making that dream happen. A conventional mortgage is only available on a property that already exists. If you’re planning to build your home from the ground up, you’ll need a self‑build mortgage instead. We know mortgages can feel confusing at the best of […]
Types of Mortgages Explained: Your Complete 2026 Guide
1. Fixed‑Rate Mortgages (Stability & Predictability) A fixed‑rate mortgages keeps your interest rate the same for a set period — usually 2, 3, 5 or 10 years. Why choose a fixed rate: – Your monthly payments stay the same – Easier budgeting – Protection from rising interest rates – Ideal for families with predictable expenses Things to consider: […]
Buy to Let Mortgages: What You Need to Know in 2026
A Buy to Let (BTL) mortgage is designed for people who want to purchase a property with the intention of renting it out. When you take out a Buy to Let mortgage, you become the landlord, and the people living in the property become your tenants. You can manage the property yourself or use a letting agent […]
Shared Ownership Mortgages
This guide explains the basics of the Shared Ownership scheme and how the mortgage element works. We can advise on the mortgage only — we cannot assess whether the scheme itself is suitable for you. What is Shared Ownership? Shared Ownership is a government-backed scheme that allows you to buy a percentage of a property […]
Mortgage Capacity Service
Clear, supportive guidance when you need to understand your borrowing power during separation or divorce. What Is a Mortgage Capacity Report? A Mortgage Capacity Report (sometimes called a Mortgage Capacity Assessment) outlines how much you may be able to borrow based on your income, commitments, and financial circumstances. Itis often required during divorce proceedings, mediation, or financial negotiations, helping […]
How to Choose the Right Mortgage Adviser: 5 Key Things to Look For
Choosing a mortgage adviser is a big decision — after all, they’ll be guiding you through one of the most important financial commitments of your life. But with so many options out there, how do you know who to trust? Here are five essential things to consider when appointing a mortgage adviser: 1. Do They […]
The Benefits of Using a Mortgage Broker
When it comes to securing a mortgage, the process can feel overwhelming—especially with so many lenders, rates, and options available. That’s where a mortgage broker can make all the difference. Here are the key benefits of using a mortgage broker to guide you through the journey: 1. Expert Guidance Every Step of the Way Mortgage […]
Retirement Interest-Only Mortgages: A Flexible Option for Later Life Lending
Retirement Interest-Only Mortgages. As we approach or enter retirement, financial priorities often shift. For many, a Retirement Interest-Only (RIO) mortgage can offer a practical and flexible way to access funds while retaining ownership of their home. What Is a Retirement Interest-Only Mortgage? A RIO mortgage is designed specifically for individuals in or nearing retirement who […]
Offset Mortgages In Focus
This blog focusses on a less common mortgage type that can be beneficial to some people. The product is aimed at those that have high savings levels and the ability to save regularly from surplus income. A savings account called an Offset Saver Account is set up alongside your mortgage. The money held in the […]