How Credit Card Balances Affect Borrowing Power
Credit card balances can have an impact on how much you’re able to borrow.
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As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage repayments
How Much Deposit Do First-Time Buyers Typically Have?
There isn’t one set deposit amount for first-time buyers.
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As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage repayments
Common First-Time Buyer Mistake: Applying Too Early
One of the most common mistakes we see from first-time buyers is submitting a mortgage application before getting proper advice.
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What Does “Porting a Mortgage” Mean?
Porting a mortgage means transferring your existing mortgage deal to a new property when you move home.
In simple terms, you keep your current rate and product, subject to lender approval.
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What Is a Mortgage Valuation (and What It Isn’t)?
A mortgage valuation is carried out for the lender, not the buyer.
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As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage repayments
Why Lenders Care About Your Bank Statements
When you apply for a mortgage, lenders will usually ask to see recent bank statements.
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What Is a Product Transfer?
A product transfer is when you switch to a new mortgage rate with your current lender, without moving to a new lender.
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Mortgage Myth: Self-Employed Means Higher Rates
Being self-employed doesn’t automatically mean you’ll pay a higher interest rate.
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Mortgage Myth: You Can’t Get a Mortgage While on Probation
Being on probation doesn’t automatically rule you out of getting a mortgage.
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Exchange vs Completion: What’s the Difference?
These two dates mean very different things.
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As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage repayments
Mortgage Fees Explained
It’s not just the interest rate that matters.
When taking a mortgage, there can be a few different costs involved.
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Mortgage Term vs Fixed Rate Term
These are often confused.
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As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage repayments
Freehold vs Leasehold
Freehold and leasehold sound similar, but they’re very different.
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As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage repayments
Early Repayment Charges (ERCs)
An Early Repayment Charge is a fee some lenders apply if you change or repay your mortgage during a fixed or discounted period.
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Agreement in Principle (AIP) Explained
An Agreement in Principle is often the first step for first-time buyers.
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As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage repayments
Mortgage Jargon Explained: The Basics
When you start looking into a mortgage, the language can feel overwhelming.
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As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage repayments
Remortgaging in 2026? Don’t Wait Until the Last Minute
If your current mortgage deal ends in 2026, it’s worth reviewing your options well before the end date.
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Christmas spending and mortgage affordability
December spending can creep up quickly.
Short term credit, BNPL and overdrafts can all affect affordability assessments if left unmanaged.
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Thinking of moving in the New Year? Start earlier than you think!
If a move is on your radar for early next year, the groundwork often starts weeks earlier than people realise.
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A CCJ doesn’t automatically stop you from getting a mortgage.
Lenders look at the full picture, including how old the CCJ is, your credit report as a whole, your income, your deposit and the property you’re aiming for.
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