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What is Underwriting? Underwriting is the process lenders use to assess the risk of lending you money. This concept isn’t limited to mortgages; it’s used in insurance, investments, and other financial products. When you apply for any type of loan or insurance, underwriters spring into action. They meticulously analyse your financial situation, considering factors like […]

Debt shouldn’t stop your dream of owning a home in the UK.  While it can affect your mortgage application, there are ways to improve your chances of getting approved.  Let’s explore how debt impacts mortgages and what steps you can take to increase your success. Can You Get a Mortgage If You Have Outstanding Debt? […]

If you’re looking to buy a home in the UK, you might be wondering how a gap in your employment history could affect your mortgage application.  Here’s the thing: a break in your work record isn’t a disqualification. But it can make the process a bit more challenging.  Let’s dive into what you need to […]

What Is a Multi-Applicant Mortgage? A multi-applicant mortgage, also known as a together mortgage or multiple-person mortgage, is a home loan shared between more than two people.  This mortgage type lets you combine your financial resources with friends or family members to increase how much you can borrow and make homeownership more affordable. How Many […]

Your address history isn’t just a tally of your past homes; it’s a vital piece of your mortgage puzzle. It can influence your credit score and whether a lender gives you a thumbs up.👍 If you’re new to the UK and haven’t racked up three years of address history, don’t fret.  There are lenders who […]

What’s the Minimum Age for a Mortgage in the UK? The good news is that you can legally buy a house and get a mortgage at 18.  That’s right – the moment you become an adult, you’re eligible to apply for a mortgage and purchase property.  However, it’s not quite as simple as just turning […]