UK mortgage rates rose sharply between the 14th and 21st of September despite the Bank of England holding Bank Rate at 3.75%. We look at the latest fixed rates, lender changes, house prices and what borrowers should watch next.
Precise Mortgages has expanded its residential mortgage criteria, including interest-only lending up to 75% LTV, consideration of flats above 20 storeys and wider age and income eligibility. We explain what’s changed and who could benefit.
You don’t legally need a Mortgage in Principle to make an offer on a house, but having one can strengthen your position as a buyer. Here’s when to get an AIP, what it proves and what happens after your offer is accepted.
UK Mortgage Market Update – 23 March 2026 The UK mortgage market saw some important developments this week as the Bank of England held interest rates, lenders adjusted pricing, and housing market activity remained steady. Here’s what happened this week and what it...
Using a gifted deposit to buy a property? Learn how gifted deposit mortgages work, who can provide the money, what evidence lenders require and the rules around declaring your gift.
Case Study: Securing a Mortgage Quickly to Meet a Tight Exchange Deadline This mortgage case study is based on a real client scenario. Details have been simplified to protect client confidentiality. In competitive property markets like London, timing can be just as...
Looking for a mortgage broker in London? Learn how brokers help you access more lenders, borrow more, and secure the right mortgage.
To borrow £700,000, you would typically need a household income of around £155,556 if a lender offered 4.5 times your income. At 4 times income, you would need £175,000, while a lender willing to consider 5 times income could potentially lend £700,000 on an income of...
Find out how much you can borrow for a mortgage in the UK based on income, deposit and lender affordability rules.
Learn how the Nationwide Helping Hand mortgage works and how eligible first-time buyers may be able to borrow up to 6× income.
Discover what salary you typically need for a £200k mortgage in the UK, including lender income multiples and affordability examples.
Weekly UK mortgage market update covering mortgage rates, interest rate expectations and housing market trends for March 2026.
Case study showing how a London buyer secured a mortgage using bonus income after their lender initially offered lower borrowing.
How much salary is needed for a £600k mortgage? In the UK, an annual household income of approximately £120,000–£150,000 is a useful starting point, assuming a lender offers between 4 and 5 times income. Some lenders may consider borrowing of £600,000 on a lower...
Teachers Building Society highlights mortgage criteria for unusual property types including annexes, basement flats and homes with land.
