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How Do Gifted Deposits Work and What Do Lenders Need to See?
If you are receiving a gifted deposit, or giving one, understanding how lenders view it and what documentation they require is important.
Oct 123 min read


Green Mortgages and Energy Efficiency
A green mortgage is a mortgage product that offers a preferential rate or cashback to buyers or owners of energy-efficient properties, typically those with an EPC rating of A or B.
Sep 283 min read


Getting a Mortgage After a Credit Problem
A difficult credit history doesn't automatically mean you can't get a mortgage. It does mean your options are more limited, the process requires more thought, and working with a broker who understands the specialist market becomes considerably more valuable than it might be for someone with a straightforward credit file.
Sep 143 min read


Mortgage Protection Insurance
Mortgage protection insurance is a broad term that covers a few different types of cover, and understanding what each one does is the starting point for working out what's relevant to your situation.
Aug 173 min read


Shared Ownership Mortgages
Shared ownership is a route onto the property ladder that more people are using, and with house prices where they are it's not difficult to understand why. What's less straightforward is how the mortgage works within that structure, and there are some important things worth understanding before you commit.
Aug 103 min read


Overpaying Your Mortgage
If you're considering overpaying your mortgage, here's what's worth knowing before you start sending extra payments to your lender.
Jul 203 min read


Joint Mortgages - What to Consider Before Applying With Someone Else
Whether you're buying with a partner, a friend or a family member, there are some important practical and legal considerations that are worth getting your head around before you apply, because they affect not just how the mortgage works but what happens to it if circumstances change down the line.
Jul 63 min read


Buying a Home? Here’s How a Mortgage in Principle Can Help
Securing a mortgage in principle before you begin your house search can give you a significant advantage.
Mar 24, 20253 min read
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