What Counts as Proof of Income for a Mortgage?
If you’re preparing to apply for a Proof of Income for Mortgage, one of the key things your lender will look at is your income. But the type of documents you’ll need to provide depends on how you earn, whether you’re employed or self-employed. As a mortgage broker, I help clients from all kinds of […]
Worried About a Low Credit Score? Here’s What You Can Do Before Applying for a Mortgage
If you’re getting ready to apply for a mortgage and feeling unsure about your credit score, you’re not alone. One of the most common questions I get from clients is, “Zita, my score is only around 700 — should I take out a credit card to boost it?” I get it. It’s natural to want […]
First-Time Buyers: Are You Ready to Start Viewing Properties?
Watch my video here If you’re a first-time buyer and starting to get excited about booking your first viewings, this is a crucial moment in your home-buying journey. But before you start walking through those front doors and imagining your new life, there’s one very important step I recommend taking…speaking to a mortgage broker! Why […]
Have You Recently Moved to the UK and Are Considering Buying a Property Here?
Thinking about putting down roots in the UK and buying your first home here? Whether you’ve just arrived or have been living here for a few years and are ready to settle, this video is for you… Watch my video here I work with many clients who are foreign nationals and want to make the […]
Six is the Magic Number: When to Start Your Remortgage
If your current mortgage rate is coming to an end, timing is everything when it comes to your remortgage. One number I always tell my clients to remember is six. Six months is the magic number. That’s how far in advance you should start thinking about your remortgage, and in a video on my YouTube […]
What Should You Prioritise When It Comes to Mortgage Protection?
One of the most common questions I’m asked by my clients is, “Do I need life insurance, income protection or critical illness cover to get a mortgage?” It’s a great question, and the answer is one that often surprises people. In my short video, I explain the difference between what’s required by the lender and what you […]
Retrofit Options: Essential for Homeowners & Landlords
As we move towards a greener future, retrofitting homes has become a critical focus for both homeowners and landlords. Retrofitting refers to the process of upgrading existing properties with energy-efficient technologies to reduce carbon emissions and lower energy bills. With the Labour government’s ambitious housing plans and new regulations on the horizon, now is the […]
Can You Get a Mortgage on a Zero Hours Contract?
If you’re on a zero hours contract and wondering whether homeownership is within reach, you’re not alone. I speak to lots of clients in exactly this position, and the good news is that getting a mortgage on a zero hours contract is possible. It just takes the right approach, the right documentation, and the right lender. In […]
Why You Should Consider Income Protection Now
Life is unpredictable, and accidents can happen when you least expect them. A recent study by MetLife found that 11% of employees had to take at least one month of unplanned leave from work in the past year due to an injury from an accident. Despite this, only 6% of workers have income protection insurance, […]
How Much Will a Lender Actually Lend You for a Mortgage?
One of the first questions I’m often asked is, How much can I actually borrow for a mortgage? It’s such an important part of planning your move, and knowing what to expect can really help set the right expectations from the start. The amount a lender will offer you depends on a few different things. It’s not […]