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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 […]

You’re browsing property listings, picturing that perfect home.  Then it hits you – how will you afford it? Interest rates, repayment terms, APR – it’s overwhelming. This is where mortgage quotes step in, and they’re more important than you think. Skipping mortgage quotes is like buying a car without checking under the bonnet. They’re your key to […]

Rent can feel like throwing your hard-earned cash away. That’s why owning your own home is a top priority for many Brits. But for some, this dream might feel out of reach, especially if you have a criminal record. Don’t worry, we’re here to tell you it’s not impossible. There are ways to get a […]