Help to Buy vs Shared Ownership in Surrey: Which Is Better for First-Time Buyers?
Help to Buy vs Shared Ownership in Surrey | First-Time Buyer Advice Help to Buy vs Shared Ownership in Surrey Buying your first home in Surrey can feel overwhelming — especially when deciding between Help to Buy and Shared Ownership. If you’re unsure which route is best for you, this guide will help break it […]
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 […]
Sustainable Upgrades: Finance Options
As homeowners become increasingly focused on reducing their carbon footprint, many are considering sustainable upgrades and retrofitting their properties to improve energy efficiency. These changes can benefit both the environment and your wallet, but it’s essential to understand the financial impact, particularly when it comes to funding the improvements. Spreading the Cost For many, spreading […]
Can You Get a Mortgage If You’re Pregnant or on Maternity Leave?
This is a question I get asked a lot: Can I still get a mortgage if I’m pregnant or currently on maternity leave? The good news is yes, you absolutely can. But there are a few important things to know before applying. Many of my clients worry that being on maternity leave or expecting a baby will […]
Low Credit Score: Securing a Mortgage Deal
Securing a mortgage with a low credit score may seem challenging, but it’s not impossible. Lenders assess your credit score to determine how likely you are to repay your mortgage on time. A low score signals higher risk, often leading to higher interest rates or limited mortgage options. However, with the right strategy, you can […]
Can My Parents Give Me Money for a House Deposit?
If you’re saving for your first home and wondering whether your parents can help with the deposit, the answer is yes, and it’s more common than you might think. Many of the first-time buyers I work with receive help from family members to boost their deposit. It’s a generous and meaningful way for parents to […]