Category: Uncategorized

If you are buying with a mortgage, property searches are not optional. Lenders require them to assess risk. Cash buyers can technically skip some searches, but doing so carries significant risk and can lead to costly issues later.

Yes, it is possible to get a mortgage on a zero-hour contract in the UK. While income may not be fixed, many lenders will consider applications where there is at least 12 months’ work history, consistent earnings, and clear supporting documentation such as payslips and P60s. What is a zero-hour contract? A zero-hour contract is […]

Yes, you can use a gifted deposit from overseas to buy a property in the UK. Many lenders accept this, provided there is clear documentation, a verified source of funds, and a proper gift declaration confirming the money does not need to be repaid.

In today’s fast-moving UK mortgage market, securing a mortgage offer quickly after reserving a property has become critical. With rates changing frequently, a mortgage offer can protect buyers from rising costs and provide financial certainty during the purchase process.

The Week the Major Lenders Blinked In the week of 13–17 April 2026, we
finally saw the move we’ve been waiting for. Major UK lenders, including Halifax, HSBC,
and Santander, have trimmed fixed rates after a bruising start to the year.

Yes, it is possible to get a mortgage after a divorce or separation. However, lenders will assess your affordability carefully, especially if you are still financially linked to a previous property or have ongoing commitments such as maintenance payments. With the right structure and timing, many clients can move forward successfully.

Yes, locum doctors and agency nurses can get a mortgage in the UK. Although income may be variable, many lenders will assess affordability using recent earnings, contracts, or averaged income. The key is presenting the income correctly and choosing the right lender.

Mortgage rates are moving quickly in 2026. Fixing now gives certainty, while waiting could mean better rates or higher costs. The key is managing risk, not trying to time the market perfectly.

Some lenders in the UK now allow first-time buyers to get a mortgage with little or no deposit by assessing their rental payment history instead. If you’ve consistently paid rent and bills, you may already demonstrate the affordability lenders are looking for.

Mortgage rates do not always move in line with the Bank of England base rate. Lenders often price Fixed mortgages based on financial market expectations, swap rates, and funding costs, which means mortgage rates can change even when the base rate remains unchanged.