Sep 29, 2026
If you are a company director, a mortgage application can feel less straightforward than it does for someone with a single employed salary. You may take income through salary, dividends, retained profit, or a mix of sources. That can make your finances harder for a...
Sep 23, 2026
The latest FCA mortgage lending statistics show that first-time buyer lending fell to 27.3% of gross advances for house purchase by owner occupiers in Q2 2026. That was the lowest share since Q1 2024. For buyers, this does not mean getting onto the property ladder is...
Sep 16, 2026
Changing jobs before applying for a mortgage does not automatically mean you cannot borrow. However, it can affect how a lender views your income, job stability and affordability. If you plan to buy, move home or remortgage, check what may change before you apply. A...
Sep 9, 2026
During August 2026, some lenders reduced selected fixed mortgage rates even though the Bank of England’s Bank Rate had been held at 3.75% after the July MPC meeting. That can feel confusing if you expect mortgage pricing to move only when the base rate changes. Fixed...
Sep 4, 2026
If your fixed-rate mortgage is due to end, you may be able to arrange a new deal before the current one finishes. In many cases, it is sensible to start reviewing your position up to 6 months ahead. Some lenders may allow eligible borrowers to secure a new rate...
Aug 12, 2026
When you take out a mortgage, you may also think about life insurance. If you die during the policy term and a valid claim is accepted, the payment could help your family repay the mortgage or manage other costs. Another decision is whether the policy should be...
