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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 […]

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 […]

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 […]

Ready to take the next step on the property ladder?  As a second-time buyer, you’ll notice the mortgage scene has evolved since your first purchase.  Whether you’re moving to a bigger place, a smaller one, or buying a holiday home, knowing your options is key.  This guide covers all you need to know about second-time […]

Securing a quick mortgage approval is crucial in the property market. Maybe the seller is looking for a swift sale, you’ve had a last-minute mortgage decline, or multiple offers mean you need to submit your paperwork quickly. You might need to move out of your current property at a specific date or be buying at […]

You’ve got your eye on a new home, but there’s a personal loan hanging over you.  Maybe you took it out for some home improvements, to pay off other debts, or to cover an unexpected bill.  Now, you’re wondering—how will this loan affect your mortgage application? 🤔 In this article, we’ll explain exactly what you […]