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 […]
Getting Comfortable with Uncomfortable Conversations
Let’s be honest, talking about what happens when we’re no longer here isn’t exactly an easy conversation. It’s uncomfortable, emotional, and often something we’d rather put off. But avoiding it doesn’t make the reality go away. Life insurance is about protecting the people who matter most to you. It’s not just another financial product, it’s […]
What is remortgaging and how does it work?
If you already have a mortgage, you’ve probably heard the term remortgaging – but what does it actually mean, and how do you know if it’s the right move for you? In this YouTube video, we break down exactly what remortgaging involves, when you might consider it, and how the process works step-by-step. 👉 Watch the full video […]
Stick or Twist: The End of Your BTL Fixed Rate Mortgage
If you’re a buy-to-let (BTL) landlord, you may be wondering whether to remortgage or opt for a product transfer (PT). While this choice can be more straightforward for residential borrowers, the options for BTL landlords have historically been more complex. However, with more PT opportunities now available, landlords have greater flexibility when refinancing. Product Transfers: […]
What are the document requirements when buying a property?
Navigating the mortgage process can feel a little overwhelming, especially if you’re doing it for the first time. Whether you’re a first-time buyer, self-employed, or simply haven’t been through the process in a while, it’s totally normal to feel unsure about what comes next. That’s exactly why I’ve created a YouTube video to walk you […]