Thinking of buying a second property? Whether it’s for extra space, family use, a future investment, or even the occasional getaway, many people eventually find themselves asking, “Can I get a second mortgage?” The short answer is yes, second home mortgages are...
If you're thinking about buying a flat, you’ll quickly come across three terms that can feel a bit confusing at first. These terms are service charge, ground rent, and leasehold. They’re all important, not just for understanding your long-term costs, but also when...
TSB has officially announced that it will now accept Universal Credit for mortgage applications as a source of income in residential mortgage affordability assessments. The change, which was announced and also went live on Thursday the 20th of November 2025, marks a...
Interest-only mortgages have become increasingly popular among borrowers looking for lower monthly payments and greater financial flexibility. But with those lower payments comes a major responsibility. You must have a reliable plan for repaying the capital at the end...
Barclays has announced a major update to its affordability policy, increasing its maximum residential loan-to-income (LTI) multiple from 5.5x to 6x. This change is significant for borrowers who need a higher income stretch to secure the mortgage they want, especially...
What Is a Mortgage Holiday? A mortgage holiday, also known as a mortgage payment holiday, is a temporary break from making your regular monthly mortgage payments. It’s an arrangement made with your lender that allows you to pause your repayments for a short, agreed...
It sounds simple enough, “We lend up to 5x your income.” But as Santander’s latest market update made clear, these catchy marketing lines can be misleading. In this bite sized blog, we will explore larger income multiple borrowing and what it actually means to people...
In 1974, the average first-time buyer could save a property deposit in just three months. Today, that same goal takes more than 11 years. Le that sink in. Santander’s figures from their latest market update starkly illustrate the affordability crisis facing first-time...
It’s one of the most frustrating experiences a client can face. A mortgage application declined, despite a solid deposit and a clean credit record. According to Santander’s latest insights, there are a few hidden reasons this happens. In this article we are going to...
Most buyers assume that a clean credit file and a healthy Experian score mean smooth sailing for a mortgage application. Unfortunately, Santander’s latest update revealed that this isn’t always the case. The Unspoken Issue: Buy Now, Pay Later (BNPL) Services such as...
It’s been a turbulent couple of years for property buyers, but according to Santander’s recent market briefing, there’s reason to believe that 2025 could signal a turning point. In this blog, we will discuss interest rates, market confidence, lending improvements in...
The past year has been a story of two Londons, one of international prestige and one of everyday life. According to Santander’s latest market update, London’s property market has weathered a difficult 12 months, but there are encouraging signs that the tide may be...
If you’ve been searching for the perfect blend of modern London living, riverside charm, and long-term property potential, Wandsworth Mills might just be the place you’ve been waiting for. This stunning new development in Wandsworth by Berkeley Group is redefining...
Latest news in the mortgage market is that HSBC has announced that it will now offer up to 6.5x income multiples on residential mortgages for its Premier banking clients, one of the most generous lending limits available from a major UK bank! In this article we will...
Barclays has announced a series of rate reductions across its residential mortgage range, introducing multiple new sub-4% products, including a standout two-year fixed rate at 3.72%, one of the most competitive deals currently available from a high street lender. The...
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