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Residential

Income Protection: Why landlords should make the case
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Unlocking the Door to Self-Employed Mortgages with One Year’s Accounts

More and more lenders accept that having to wait up to three years to mortgage after starting a business makes no sense. Here we explore the options for start-ups and new businesses where you might only have one full set of accounts.

Mortgage Tip #1: Be Smart, Check Your Credit Score
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Mortgage Challenges & Solutions for Professional Athletes in the UK

Why you should see your mortgage broker BEFORE you think about selling.

Doubling Ground Rent: Unpacking the problem for lenders
An older couple in a modern setting signing a document on a tablet.

Navigating the Mortgage Landscape for Individuals Over 50: An In-Depth Guide

Santander Gives with One Hand and Takes with Another

Tax Calculations: What are they & why do we need them?
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Navigating the Intricacies of Retirement Interest-Only Mortgages: A Comprehensive Guide

Beware the Curse of Associated Credit

A mortgage client is declined because of their partners associated credit.
Family pushing a child around in a box after moving into a new home, possibly bought as a concessionary purchase

Family Income Benefit: Helping your life cover go further
Family pushing a child around in a box after moving into a new home, possibly bought as a concessionary purchase

Concessionary Purchase

See how one savvy family used Family Concessionary Purchase to help their son get on the property ladder.

Why the New Stamp Duty Rules Are Great For Borrowers
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5 Useful Resources All About LISAs for First-Time Buyers
A british soldier standing in front of their new house denoting the theme of mortgages for armed services

A Comprehensive Guide to Mortgages for UK Military Personnel

Unravel the unique mortgage challenges faced by military personnel. From sudden relocations to overseas living, navigate complex financial landscapes with our expert guidance. Unlock tailored mortgage solutions and confidently secure your homeownership dreams.

Why Do We Still Rely So Heavily on Estate Agents?

Multi-Generation Mortgages

Interest Only

Interest Only mortgages have had a rough time recently. They are not right for everyone, but if you have the assets they can provide flexibility.

Contractor Mortgages: A Tricky Business

Working as a contractor can be extremely lucrative but it can make acquiring a mortgage difficult.

Spring Budget 2023 – Whats the news for homeowners?

Chancellor Jeremy Hunt's 'Budget for growth' pledges billions to boost UK business and workforce, with a £4bn childcare expansion to spur investment and employment.

Scaremongering in the News

Moving Bank Accounts?

A Glimpse of Hope Amidst Banking Concerns? Swap rates and the BoE rate.

Recent banking sector shifts offer a silver lining for UK mortgage seekers, potentially leading to more favourable rates amid fluctuating swap rates and BoE policy adjustments.
A meticulous office scene depicting a cluttered desk filled with financial documents, bank statements, and legal papers, a computer displaying financial charts, and an open safe with cash and property deeds in the background, emphasizing the detailed process of auditing for a gifted deposit mortgage.

Gifted Deposit Mortgages- What you need to know

Mortgage Down Valuations
Family pushing a child around in a box after moving into a new home, possibly bought as a concessionary purchase

Concessionary Purchase Mortgages: Your Path to Affordable Homeownership
Abstract image representing mortgage affordability

Maximizing Your Borrowing Potential: Mortgage Affordability Explained

This guide explains mortgage affordability in the UK for residential buyers and buy-to-let investors. Learn how affordability is calculated, including income assessments, essential expenses, and regulatory limits. Discover strategies to maximize your borrowing potential and navigate the mortgage landscape effectively to achieve your property investment goals.

A Day in the Life of a Mortgage Broker
House model with a calculator, symbolizing interest-only mortgage concept

Understanding Residential Interest-Only Mortgages: A Complete Guide

Discover the ins and outs of interest-only mortgages in our comprehensive guide. Learn about the key differences between interest-only and repayment mortgages, their advantages and disadvantages, and how to manage your interest-only mortgage effectively. We'll also cover repayment plan options and the importance of seeking financial advice to secure a stable financial future. Don't miss this essential read for anyone considering an interest-only mortgage.

Waiting for rates to drop? That might not be a good idea…

There appears to be an assumption that mortgage rates are directly tied to Bank of England base rates, and that mortgage rates will only come down in the latter part of this year. That isn't the case, and the reality is that if the Bank of England decide not to reduce the rate, rates could actually go up.

Things to Consider Before Seeing a Broker
Older family members assisting with their childrens mortgage

Family Assisted Mortgage: A Comprehensive Guide to Helping Your Loved Ones Achieve Homeownership

Introducing our comprehensive guide to family assisted mortgages: Empower your loved ones to achieve homeownership with this innovative financial solution. Explore the benefits, eligibility criteria, and different types of family assisted mortgages, and learn how to choose the perfect mortgage product for your unique situation. Unlock the door to a brighter future for your family with this in-depth and informative resource.
A simple image of a clock shaped like a house, representing the title How long does it take to get a mortgage

How long does it take to get a mortgage?

In this article we answer the question how long does it take to get a mortgage? Most importantly, the things we can do to minimise this and ensure rapid offers and completion.

The New Help-To-Buy ISA: Not as exciting as you first thought
Offset mortgage illustration with a house and savings pot on balanced scales

Offset Mortgages: The Ultimate Guide

Discover how offset mortgages can save you money on interest payments and help you pay off your mortgage faster. Unlock financial flexibility today!
Rachel Reeves - Autumn 2024 Budget

October 2024 Budget: What it means for First Time Property Buyers and Buy to Let Investors

The October 2024 Budget presents a mixed bag for the residential property market. For BTL investors, the higher stamp duty on second properties and stability in CGT rates are a double edged sword.

De-mystifying Loan To Value
Staircase made of house-shaped blocks illustrating staircasing in Shared Ownership

The Ultimate Guide to Shared-Ownership Mortgages in the UK

Discover the ins and outs of Shared Ownership, its challenges, and how it can benefit you. Learn the pros, cons, and long-term implications.
Frustrated by mortgage options? You need a specialist mortgage broker

How Specialist Mortgage Brokers Can Help You Secure a Loan

Finding the right mortgage can be confusing, especially with unique circumstances. This is where specialist mortgage brokers can help. They are experts in navigating the mortgage market. These brokers offer specialist mortgage advice for people with bad credit, complex income, or unusual property types.

Concessionary Purchase Update

The Comprehensive Guide to Remortgaging for Debt Consolidation: Weighing the Risks and Rewards

Discover AALTO Mortgages Ltd's comprehensive guide on remortgaging for debt consolidation. Make informed decisions by weighing the risks and rewards today.

The Bank of England Base Rate went down, so why didn’t mortgage rates fall?

The simple answer is that the Bank of England base rate drop we saw recently was widely expected, so swap providers had already factored this into their rate. However, alongside the reduction in Bank of England base rate, the prediction of when the next base rate drop will occur has been pushed back. The current rate will remain in place longer than was expected.

Help-to-Buy: A helping hand or hindrance?
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Navigating flexible working: A Comprehensive Guide for Zero-Hour Contracts