Category: Mortgage Rates & Market Updates

If you’re a company director and you’ve ever been told:
“Based on your income, you can borrow less than expected.”
You’re not alone.
And in most cases — the issue isn’t your income.
It’s how lenders are reading it.

In the UK buy-to-let market, interest rates get the headlines, but tax and structure determine
whether an investment actually works.

A question frequently asked by business owners, contractors, and company directors is:
“Can I use my existing trading company to buy a property through a limited
company?”

Offset mortgages are one of the most powerful mortgage tools available in the UK, yet very
few people talk about them.

2026 will be a very important year for UK homeowners.
A huge number of five-year fixed mortgages taken during Covid will come to an end.
Many of those deals were secured at around 1% interest.

For many people in the UK, housing is not a simple choice between owning and renting.
With property prices remaining high, especially across London and the South East, renting
continues to be the only realistic option for a large proportion of the population.

There are more care workers in the UK than ever before, with more 905,000 working across care homes, residential services and NHS settings. Many care workers rely on overtime and variable earnings to supplement their income, which makes getting a mortgage a bit more complicated.

For many first-time buyers and home movers, one of the first questions that comes up is: “What salary do I need to get a mortgage in the UK?” Although this is a perfectly reasonable question, it doesn’t have a straightforward answer.

As sustainability becomes a key focus for homeowners and lenders alike, green
mortgages are gaining popularity in the UK. These products may offer incentives

When applying for a mortgage in the UK, understanding how lenders assess affordability is crucial to
setting realistic expectations and improving your chances of approval.