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Can I Still Get a Mortgage Even if I Lie on My Application? Trying to lie on your mortgage application is a bad idea. It’s illegal and very unlikely to work.  Mortgage lenders in the UK thoroughly check everything from your salary to your personal details.  They’ll expect proof you qualify and will scrutinise your […]

Are you struggling to keep up with your mortgage payments? Or perhaps you’re looking to increase your borrowing power for a new home? Either way, taking in a lodger could be the solution you’re searching for.  In this guide, we’ll dive into lodger mortgages, covering the essentials, benefits, and potential pitfalls. What is a Lodger […]

When you’re looking to buy a property with someone else, you’ll need to decide how you want to own it together.  In the UK, there are two main options: joint tenants and tenants in common. But what’s the difference, and which one is right for you? This guide explores the difference between joint tenants and […]

Picture this: You’ve found your dream home, but your salary alone won’t secure the mortgage you need.  With soaring house prices and strict lending criteria, many first-time buyers find it challenging to secure a mortgage on their own. That’s where a Joint Borrower Sole Proprietor (JBSP) mortgage comes in.  This innovative mortgage option could be […]

What’s an Islamic Mortgage? Islamic mortgages, also known as halal mortgages, are designed to comply with Sharia law and help you achieve homeownership. Here’s the key difference: Islamic mortgages don’t involve interest, which is forbidden under Islamic law. Sharia law prohibits riba (interest) because it’s seen as exploitative and unjust.  So, instead of interest, Islamic […]

Can You Get a Second Mortgage If You Already Have One? Yes, it is possible to get a second mortgage if you already have one (first mortgage).  Lenders will assess your eligibility based on factors like income, credit history, and the amount of equity you have in your home.  This means you can potentially take […]