Mortgage

That ‘too good to miss’ rate might look pretty tempting… much like a pancake van on a chilly autumn evening. But – the small print can come with costly surprises. Many of us get drawn like a moth to a flame when it comes to shiny, cleverly marketed deals and switch before really looking into […]

Dreaming of a kitchen extension or a new bathroom? With savings squeezed and costs climbing, many homeowners are asking the same question: Can I use my mortgage to fund it? If your property’s value has gone up, you might have untapped equity sitting in your walls, and yes, that could mean your home can help […]

Overpaying your mortgage feels like a win, and it can be. But in 2025, when interest rates are high at 4.25%, investment returns are bouncing back, and tax rules are shifting under your feet, the question isn’t just “Should I overpay?” It’s “What’s the smartest place for my money right now?” Let’s zoom out and […]

August is a funny month. The weather’s decent (most of the time), the inbox quietens down, and if you’re a homeowner with a mortgage deal expiring soon, it might just be the month to act.  With lenders adjusting rates and fewer people applying, this quieter corner of summer could give you a rare window to […]

Got some extra cash burning a hole in your budget? You could overpay the mortgage. That’s the “sensible” move, right? But in 2025, with interest rates still elevated and investment returns quietly making a comeback, throwing every spare pound at your loan might not be the smartest use of your money. Let’s unpack why overpaying […]

Midway through 2025, the UK housing market is finally showing some signs of life. After quite a subdued 2024, new figures suggest pretty modest price rises, improved mortgage availability, and a slight shift in buyer sentiment.  It isn’t quite a boom, but for those who are watching and waiting, the question is whether now marks […]

Being self-employed comes with many perks – flexibility, independence, and control over your career. However, when it comes to getting a mortgage, it can feel like the odds are stacked against you. Unlike salaried employees with a stable income, self-employed individuals must jump through a few extra hoops to prove their financial reliability to lenders. […]

Getting onto the property ladder may feel like a pipe dream to many young people, with house prices and mortgage rates skyrocketing in recent years. It’s also difficult to save for a deposit with living costs increasing and high inflation, but the Mortgage Guarantee Scheme could be a game changer in 2025. Originally introduced in […]

2024 was a pretty quiet year for the property market and while mortgage rates dropped, it wasn’t as substantial as many people hoped. This meant that there wasn’t quite the housing boom some experts predicted and house prices remained stagnant, relatively speaking.  In this article, we’ll explore some of the biggest predictions for house prices […]