Mortgage rules review aims to widen access
Exploring more flexible lending to support first-time buyers and later-life borrowers Imagine being told you cannot borrow, despite having a steady income, savings in place, and affordable repayments. For thousands of people, this is the reality of today’s mortgage market. The Financial Conduct Authority (FCA) has recognised these frustrations and is considering whether lending rules […]
Bridging finance
A solution for investors seeking quick and flexible funding In the rapid-paced property market, timing can be the key difference between securing an investment property and missing out. For investors needing quick and flexible funding, bridging finance offers a dependable solution. Also known as a bridging loan, it is a short-term funding option designed to […]
How to avoid selling your house to pay for care
Planning ahead can safeguard both your home and your financial security in later life The idea of selling a home to cover long-term care costs is a concern for many households. With increasing life expectancy and the high expenses of residential and nursing care, the family home often becomes central to funding plans. Although care […]
Equity release vs remortgage: Are they right for you?
Understanding the differences between unlocking cash and restructuring borrowing For many homeowners, property is not just a place to live but also a means of building wealth. Increasing values over the past two decades mean that significant amounts of equity are invested in homes across the UK. When you need money to fund retirement, pay […]
Property tax reform on the horizon!
Understanding the possible changes and their implications for homeowners Taxation plays a crucial role in the housing market, influencing the costs associated with buying, selling, and owning a home. Recently, both council tax and stamp duty have been reviewed, with increasing calls to modernise systems that many consider outdated. While reform is not certain, debates […]
Can I remortgage to cover the costs of home renovations?
Using property equity to finance improvements can be an option, but it involves considerations Home renovations can transform a property, whether by adding space, increasing efficiency, or modernising key rooms. For many households, the challenge is securing the necessary funds. One option is to remortgage, releasing equity built up in the home to cover renovation […]
Property jargon buster
A handy guide to use any time you come across some property jargon Need clarification on waffly terms and property speak? Though the world of mortgages and property is filled with unfamiliar vocabulary, there is no need to be intimidated. Our jargon buster will help you navigate the terms you will likely encounter as you […]
Role of life insurance in mortgage protection
Protecting your loved ones and home for peace of mind Life insurance is vital in mortgage protection planning, giving homeowners reassurance that their loved ones won’t be burdened with mortgage repayments if they pass away. For many, a mortgage is one of the largest financial commitments they will make in their life. Protecting this asset […]
Is now a good time to invest in UK property?
Current opportunities, risks, and rental dynamics shaping the summer 2025 market The UK property market continues to develop, and summer 2025 is no different. This period offers both potential and challenges for those considering buy-to-let investments or aiming to grow their existing portfolio. Is now the right moment to move forward, or should one wait […]
Turning legacy into opportunity
Selling an inherited property — legal, financial, and practical steps to progress Inheriting a property can provoke mixed emotions. Whether it is the family home, a distant relative’s flat, or a shared estate among siblings, it often bears a deep personal history and, at times, unexpected responsibilities. At a time when you might still be […]
