Homeownership comes with big responsibilities, especially when it comes to money. So before you jump in, ask yourself: Can you really afford a mortgage? The last thing you want is to be caught off guard, struggling to make those payments. That’s why we’ve put together this guide to help you understand mortgage affordability. It covers […]
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Mortgage Affordability Explained: What Mortgage Can I Get?
What Stops You Getting a Mortgage? 9 Key Factors to Know
Securing a mortgage isn’t always easy. Some people find it tough to save for a deposit. Others struggle to find lenders with flexible terms. Many face challenges with their credit score. These things can get in your way. But don’t worry – knowing what they are is the first step to beating them. To help […]
Tier 2 Visa Mortgages: What You Need to Know
If you’re a foreigner planning to settle in the UK long-term, buying a home is probably on your wish list. But let’s be real: getting a mortgage here isn’t easy, especially if you’re on a Tier 2 visa. Limited credit history, short residency, and the need for a large deposit makes it tough for you […]
How To Transfer, Add, Or Remove Names On A Joint Mortgage?
When you’re buying a home with someone else, you might opt for a joint mortgage. This means you’re both responsible for the loan. It’s common among couples, friends, or family members pooling resources to buy property. But what happens when circumstances change? Can you alter who’s on the mortgage? In this guide, we’ll explain all […]
Mortgages for Single Parents: Your Complete Guide
Being a single parent is tough. You juggle work, raise children, and manage daily responsibilities, often without a break. The financial pressure is intense, with a single income stretched to cover everything from childcare to bills. And when it comes to buying a home in the UK, the challenges only multiply. Strict affordability checks and […]
Self-Cert Mortgages: Everything You Need to Know
Remember when getting a mortgage was as easy as saying, “Trust me, I can afford it”? That’s what self-cert mortgages were all about. Popular with the self-employed and those with irregular incomes, there was no need for payslips or traditional proof—just declare your earnings and get a mortgage. But why did they disappear? Regulators banned […]
