Mortgage guides & advice

If you are a contractor thinking about getting a mortgage take a look at our handy guide to contractor mortgages to improve your chances of securing a loan.

Are you a parent who wants to help your child buy a home but are not sure how? Read our blog on ways parents can help their child get on the property ladder to find out everything you need to know.

Is it worth overpaying your mortgage or would paying the money into savings or reducing the term make more sense? Find out everything you need to know about overpaying your mortgage here.

There are lots of mortgage options available to the over 50s. In this guide we cover the range of options, what makes later-life mortgages different and answer some common questions.

Help prepare for a mortgage application by understanding why a mortgage application might be declined and what you can do to improve your chances by reading our article.

Whether you are a first-time buyer or a seasoned borrower the jargon used during the mortgage process can seem impenetrable. Demystify jargon with our glossary of mortgage-related terms.

Obtaining a mortgage is often one of the biggest financial decisions you will ever make, so it’s important to get solid advice – which is where a mortgage advisor can prove useful. Mortgage advisors are financial advisors who specialise in the mortgage market. Learn more about what advisors do, and how they can help you, in this guide.

An equity release mortgage is a product available to homeowners over the age of 55, which allows them to draw a tax-free lump sum, or several smaller sums (on which you’ll pay interest), from the equity in their home while continuing to live in the property until they die or move into residential care.

We are getting more frequent enquiries from homeowners who have had interest only mortgage products for many years. Now that they are approaching retirement, they find they have no obvious method to repay the mortgage in full. Retirement mortgages can offer solutions including Retirement Interest Only and Equity Release products.

As an advice firm, we are often approached by potential new clients asking how to get a mortgage if they are self-employed. Many self-employed people believe they will struggle to get a mortgage. It’s often much easier than you’d imagine, so we’ve put together this guide for self-employed individuals who would like to buy a new home, or remortgage their existing property.