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It’s never easy thinking about the potential death of a loved one, and for that reason, many of us put off making a will or discussing financial arrangements.

If you’re planning to purchase a property, you may have come across the terms ‘decision in principle’ (DIP) or ‘mortgage in principle’ (MIP). A DIP could help you make important decisions about your financial future and help you convince estate agents that your offers are realistic.

For many people who aspire to own their own home, taking out a mortgage is a much more realistic prospect than purchasing a property outright. However, taking out a mortgage requires borrowers to satisfy the criteria lenders set.

If you have plans to purchase a home, understanding the ins and outs of mortgages can be invaluable. With the right insight and preparation, you don’t have to wonder ‘what will I need to get a mortgage?’

Buying a home can be intimidating, especially for first time buyers new to the process. There is a lot that can go wrong, including problems found during the survey, your offer being rejected or your mortgage application being refused.

Homeowners looking to move home or remortgage their existing property will need to arrange finance to cover the cost. For most people, this means applying for a mortgage. But how do you know if you’ll be approved?

Following the demise of self-certification mortgages in 2008, many contractors mistakenly believe they will no longer be approved for a loan. So, it’s no surprise that ‘Can I get a mortgage as a contractor?’ is one of the most common questions we get asked.

When you apply for a mortgage, whether it’s for your first time or your fifth, being prepared is the best position to start from. Understanding the answer to ‘what do you need for a mortgage?

When it comes to our finances, most of us have had at least one blip or other in our history. Whether you’ve had CCJs in the past or you’ve struggled to keep up with credit card repayments, it’s easy for your credit score to be damaged or take a dip now and then.

Buying a home is one of the largest financial transactions most people make. So, unless you’ve won the lottery, that means getting a mortgage. But what exactly is a mortgage?