How to Prepare For a Mortgage Interview and Application
Whether you’re a First Time Buyer, a seasoned home mover, or you’re looking to remortgage, starting out on a new mortgage journey can be an exciting but daunting time. Thankfully, there are things you can do to prepare yourself for the process and help things to run smoothly. However, you don’t need to do any […]
What Questions Should I Ask My Mortgage Broker?
Whether it’s the first time you’ve used a mortgage broker or not, understanding what to ask them will put you in a better position from the start of your journey. The questions in this guide will help you find a suitable mortgage advisor who has the correct resources and lender access to ensure you get […]
How to Get Tax Calculation (SA302) & Tax Year Overview – Step-By-Step Guide with Pictures
If you are applying for a mortgage as a self-employed person or a limited company director, you will typically need to provide your Tax Calculations (SA302s) and Tax Year Overviews as proof of income. This can help evidence your income from employed or self-employed work, dividends, or property. Lenders may require you to provide these […]
Fixed, Variable or Tracker Mortgage – Which Should I Get in 2025?
As we get further into 2025, the mortgage and property markets continue to evolve, presenting homeowners and prospective buyers with a crucial decision – should you get a fixed, variable, or tracker mortgage? Interest rates have seen significant movement over the last 12 months, with many mortgage rates falling along with the Bank of England […]
What Questions Will I Be Asked in a Mortgage Interview?
The first step to getting a mortgage is to complete a mortgage interview. This may be directly with a lender or with a mortgage broker (who will then liaise with lenders on your behalf). Without a mortgage broker, if you want to shop around for a good deal, you may need to complete this interview […]
What Are the Current Stamp Duty Rates in 2025?
If you’re about to buy a new home in England or Northern Ireland, you may be wondering what the Stamp Duty rates are and how much you’ll have to pay. One thing to note is that Stamp Duty rates have changed as of 1st April 2025. Therefore, if you started planning your move a while […]
How to Cancel CheckMyFile – Step-By-Step Guide
Staying up to date with your credit score can be hugely valuable, especially when you are approaching a mortgage application. It gives you the opportunity to correct mistakes in your report and improve your credit score over time, which can make borrowing easier down the line. We always recommend CheckMyFile to our customers because it […]
How Long Should I Fix My Mortgage for in 2025?
It’s been a rocky road for mortgage rates in recent years, and most experts believe the volatility could continue. The case for fixed-rate mortgages is therefore as strong as ever, as the majority of borrowers favour the security of these products over the flexibility of other types of mortgage. But exactly what level of security […]
What Will Happen to Mortgage Rates in 2025?
Mortgage rates have continued to be somewhat volatile in the UK leading into 2025, but with the Base Rate falling, can we see the light at the end of the tunnel? Or could other factors throw a spanner in the works and make mortgage rates rise again? What will happen to mortgage rates in 2025? […]
What is the Base Rate and How Does it Affect My Mortgage Rate?
The Bank of England’s Base Rate has been in the spotlight in recent years – dropping to an all-time low of 0.1% in 2020 before rising to a 16-year high of 5.25% in 2023. Many homeowners have felt the effects of this volatility through their mortgage rates. But what exactly is the Base Rate and […]
