Useful guides

Start your mortgage journey with us here, today! Below you’ll find informative guides covering various topics, navigating you through the intricate landscape of mortgages, and more. When you’re ready to move on, get in touch with our team who will walk you through the rest.

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New build home buying guide: What you need to know

Due to an increasing population and people living longer than ever, the need for new homes has never been greater. The good news is there is momentum in the new build property market, supercharged by government and lender initiatives.

This guide will cover the fundamentals of buying a new build property and new build mortgages, focusing on the benefits, what to expect and the processes involved. 

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Investing in property: A guide to buy-to-let mortgages

If you want to buy a property that you plan to put on the rental market, you won’t be able to fund the investment using a standard residential mortgage. If you do need a mortgage to finance the purchase of the investment property, you’ll need a buy-to-let mortgage, also known as a BTL mortgage.


Mortgages for the self-employed: A guide on what you need to know

Securing a mortgage as a self-employed professional was once a much more difficult task than it is today. Nowadays, banks and building societies show a greater understanding of self-employed home buyers looking for a mortgage and some even market specific self-employed mortgages. Of course, there are differences for Pay As You Earn (PAYE) workers securing a mortgage but there are plenty of options out there.

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Mortgage types

Understanding mortgage types: Your complete guide to fixed vs variable rates

Buying a property comes with a string of important and sometimes daunting decisions. And one of those decisions is to choose the right type of mortgage. The big decision when choosing a mortgage is to decide if you’ll opt for the certainty of a fixed-rate mortgage, or whether you think you can save money by using a variable-rate mortgage.

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Mortgage affordability: A comprehensive guide

Mortgage affordability relates to tests carried out by mortgage lenders to ensure prospective borrowers can afford the loan they require to buy a property. It’s an important aspect of the assessments carried out by mortgage lenders, which can lead to a mortgage application approval or rejection.

It’s not as simple as earning more than your projected essential expenses, including, of course, your estimated mortgage repayments. Mortgage affordability is a hot topic among home buyers so we’ve created this comprehensive guide to explain everything you need to know.

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