Mortgage Solutions Hub

Blog Getting a Self-Employed Mortgage: What Lenders Look At If you're self-employed, you've probably heard some version of the same warning. That mortgages are harder for people like you. That lenders don't like it, that you'll need three years of accounts, a small miracle, and possibly a note from your accountant [...]

Blog Gifted Deposits Explained: What Happens When Family Helps If a parent or family member has offered to help with your deposit, first of all: lovely! That's a genuinely kind thing, and it happens far more often than most first-time buyers assume. But it usually comes with a small knot of [...]

Blog Moving Home With a Mortgage: What Porting Actually Means You own a home, there's a mortgage on it, and now you want to move. More space, less space, a new job, or a different part of the country, there are many potential reasons. Which raises a question that never came [...]

Blog What Is a Concessionary Purchase? A simple Guide Someone has offered to sell you a property for less than it's worth, and you're not entirely sure what to make of it. Perhaps it's your landlord, who has decided to stop renting and would rather sell to the person already living [...]

Blog What Is a Joint Borrower Sole Proprietor Mortgage and Could It Help You? There's a situation a lot of first-time buyers find themselves in. The deposit is there, or nearly there. The intention is serious. But when the affordability numbers are run, the borrowing available on one salary just doesn't [...]

Blog How Many Times Your Salary Can You Borrow for a Mortgage? If you've ever put your salary into an online calculator and found yourself with more questions than answers, you're not alone. Online calculators can be a helpful starting point, but they rarely show the full lender assessment behind the [...]

Blog Remortgage With the Same Lender, or Look Elsewhere? There's a particular email that lands in your inbox a few months before your mortgage deal ends. It's friendly, it’s reassuring and it's from a lender who already knows you, already has your details on file and is helpfully offering you a [...]

Blog Mortgage Declined? Why It's Rarely the End of the Road Being told no on a mortgage application lands harder than most people expect. It's one of those moments where a single word seems to carry the weight of everything you've been working towards. The savings, the planning, the conversations with [...]

Blog Credit Scores and Mortgages explained There's a number sitting somewhere on your phone right now that's probably causing you more stress than it should. Your credit score. And if you're thinking about buying your first home, chances are you've already looked at it at least twice this week Most people [...]

Blog How Much Deposit Do First-Time Buyers Really Need? Let's be honest. When you start thinking about buying your first home, the deposit feels like the big, scary number standing between you and actually doing it. You’ll often hear figures around the average first time buyer deposit. And sometimes, those numbers [...]