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 […]
Self-Employed Mortgage: How to Prepare
If you’re self-employed and planning to buy a home in 2025, knowing how lenders approach these types of applications can make a big difference. While getting a mortgage can be a bit more complex for the self-employed, being prepared can help you navigate the process with confidence. What is a Self-Employed Mortgage? While there isn’t […]
What Is an Agreement in Principle and Why Do You Need One?
If you’re just starting your home buying journey, you’ve likely heard the term Agreement in Principle (AIP), also known as a Decision in Principle (DIP). But what does it actually mean, and why does it matter? In this video, I’ll walk you through the basics of what an AIP is, why it’s a crucial first step, and how we […]
Income Protection & Stress: What You Need to Know
When it comes to safeguarding your income, income protection (IP) insurance can be a valuable asset, especially for those dealing with stress and mental health challenges. Many IP policies do not impose standard exclusions for mental health, meaning that individuals who have not disclosed prior conditions may still be eligible for coverage. While this broad […]
How Much Deposit Do You Need to Buy a Property?
Saving for a deposit is often the first big step on the journey to buying your own home. But one of the most common questions we hear is, “How much do I actually need?” In our YouTube video, we break this down clearly and simply, helping you understand how much you’ll need to save and […]