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Buying your first home is exciting, but the mortgage process can feel like a new language. Deposits, agreements in principle, affordability checks, valuations and conveyancing all arrive at once, usually…

Once you decide to remortgage, the next question is usually how long it will take. You may be trying to line up a new deal with the end of your…

When your fixed rate is coming to an end, you naturally start paying attention to your mortgage again. You compare new deals, work out what your payments could look like…

Very few people get through their twenties and thirties with a completely spotless credit file. A phone bill that went unpaid after a house share broke up, a credit card…

Plenty of homeowners reach a point where the value tied up in their property has grown well beyond anything they expected when they first bought it, and they start wondering…

Debt has a habit of creeping up on homeowners. A credit card here, a car finance agreement there, maybe a loan taken out a few years ago that’s still running…

Managing debt can be more difficult when income fluctuates from month to month, which is common for many self-employed people. However, contrary to popular belief, being self-employed does not automatically…

Many homeowners have built up significant equity through property value growth and years of mortgage repayments. Remortgaging can provide relatively simple access to some of that value without the need…

What debt is considered when applying for a mortgage? Contrary to many opinions, having existing debt in your name does not automatically prevent you from getting a mortgage in the…

Remortgaging is a term that everyone will have heard of, but what does ‘remortgage’ actually mean? In the simplest terms, it is the process of switching your current mortgage to…